BlastPoint's Credit Union Scorecard
HALIFAX COUNTY COMMUNITY
Charter #23760 · VA
HALIFAX COUNTY COMMUNITY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 0.3% in tier
- + AMR Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 57.85% above tier (higher cost structure)
- - Member decline: -9.5% YoY
- - Net Worth Ratio: Bottom 1.2% in tier
- - Net Interest Margin (NIM): Bottom 6.0% in tier
- - Member Growth Rate: Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits +8.3% year over year ($6.7M in shares and deposits).
- Membership: 1,556 members, -9.5% vs a year ago.
- Delinquency rate 0.97%.
- Return on assets 1.46%.
- Efficiency ratio 146.62% vs a 88.77% peer average.
- Loan-to-share ratio 29.71% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,556
-9.5% YoY-3.4% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$7.1M
+6.6% YoY-0.9% QoQ
|
$-23.1M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$2.0M
+149.5% YoY+17.6% QoQ
|
$-13.5M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$6.7M
+8.3% YoY-0.4% QoQ
|
$-19.1M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
1.5%
-156.9% YoY-197.9% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
2.4%
+5.1% YoY+4.7% QoQ
|
-1.5% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Bottom 6.0% in tier |
| Efficiency Ratio |
146.6%
-2.1% YoY-9.4% QoQ
|
+57.9% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.5% in tier |
| Delinquency Rate |
1.0%
-69.4% YoY+9.1% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
29.7%
+130.3% YoY+18.1% QoQ
|
-29.2% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.9% in tier |
| AMR |
$5,572
+37.5% YoY+6.9% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.3% in tier |
| CD Concentration |
34.6%
+11.6% YoY+2.1% QoQ
|
+10.0% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)