BlastPoint's Credit Union Scorecard
YOGAVILLE
Charter #23974 · VA
YOGAVILLE has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.29% above tier average
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.40% above tier average
- - Member decline: -4.5% YoY
- - First Mortgage Concentration (%): Bottom 2.7% in tier
- - Share Certificate Concentration (%): Bottom 7.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
386
-4.5% YoY-0.5% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 10.5% in tier |
| Assets |
$4.5M
+1.0% YoY-0.0% QoQ
|
$-25.7M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
17% |
| Loans |
$2.3M
-13.1% YoY-3.5% QoQ
|
$-13.0M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$3.2M
+0.6% YoY-0.2% QoQ
|
$-22.6M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
0.4%
+165.9% YoY+5.3% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
41% |
| NIM |
3.2%
+10.5% YoY+1.6% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
25% |
| Efficiency Ratio |
81.1%
-14.1% YoY-3.8% QoQ
|
-9.6% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
49% |
| Delinquency Rate |
1.9%
-66.4% YoY-23.9% QoQ
|
+0.4 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
70.5%
-13.7% YoY-3.3% QoQ
|
+12.0% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$14,257
-1.1% YoY-1.1% QoQ
|
$-627 |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
52% |
| CD Concentration |
40.0%
+32.9% YoY-8.3% QoQ
|
+15.7% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 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)