BlastPoint's Credit Union Scorecard
YOGAVILLE
Charter #23974 · VA
YOGAVILLE has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 1.67% above tier (higher cost structure)
- - Delinquency rate 0.94% above tier average
- - Member decline: -4.2% YoY
- - First Mortgage Concentration (%): Bottom 3.1% in tier
- - Share Certificate Concentration (%): Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
388
-4.2% YoY-1.5% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 10.5% in tier |
| Assets |
$4.5M
+1.8% YoY+0.6% QoQ
|
$-25.6M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$2.4M
-9.5% YoY-2.1% QoQ
|
$-13.4M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.2M
+1.8% YoY+0.8% QoQ
|
$-22.5M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
0.4%
+165.6% YoY-9.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
3.2%
+17.6% YoY-0.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
84.2%
-10.8% YoY+0.4% QoQ
|
+1.7% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
62% |
| Delinquency Rate |
2.5%
-54.6% YoY+51.5% QoQ
|
+0.9 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
83% |
| Loan To Share |
72.9%
-11.1% YoY-2.8% QoQ
|
+12.3% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$14,418
+1.0% YoY+1.1% QoQ
|
$-365 |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
43.6%
+45.4% YoY+10.8% QoQ
|
+19.2% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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)