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 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Efficiency ratio 2.47% above tier (higher cost structure)
- - Delinquency rate 0.14% above tier average
- - Member decline: -3.9% YoY
- - First Mortgage Concentration (%): Bottom 3.0% in tier
- - Share Certificate Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
394
-3.9% YoY-0.8% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 11.0% in tier |
| Assets |
$4.5M
-1.0% YoY-1.0% QoQ
|
$-25.4M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$2.4M
-9.0% YoY-1.2% QoQ
|
$-13.4M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$3.2M
+1.6% YoY-1.6% QoQ
|
$-22.2M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
17% |
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| ROA |
0.5%
+182.2% YoY-7.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
34% |
| NIM |
3.2%
+21.6% YoY+1.1% QoQ
|
-0.8% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
23% |
| Efficiency Ratio |
83.9%
-10.8% YoY-0.6% QoQ
|
+2.5% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
1.7%
+456.8% YoY+194.7% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
75% |
| Loan To Share |
75.0%
-10.4% YoY+0.4% QoQ
|
+13.8% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
70% |
| AMR |
$14,265
+0.7% YoY-0.6% QoQ
|
$-362 |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
39.3%
+28.3% YoY+0.7% QoQ
|
+14.9% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)