BlastPoint's Credit Union Scorecard
YOGAVILLE
Charter #23974 · VA
YOGAVILLE has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Member decline: -4.8% YoY
- - Deposit Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 2.7% in tier
- - First Mortgage Concentration (%): Bottom 2.9% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
- - Members Per Employee (MPE): Bottom 7.8% 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 -19.3% year over year ($2.6M in shares and deposits).
- Membership: 378 members, -4.8% vs a year ago.
- Delinquency rate 1.54%.
- Return on assets 0.51%.
- Efficiency ratio 80.59% vs a 88.77% peer average.
- Loan-to-share ratio 83.71% 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 |
378
-4.8% YoY-2.1% QoQ
|
-2.2K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 10.3% in tier |
| Assets |
$3.9M
-13.5% YoY-13.1% QoQ
|
$-26.4M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
15% |
| Loans |
$2.2M
-9.6% YoY-3.1% QoQ
|
$-13.3M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$2.6M
-19.3% YoY-18.4% QoQ
|
$-23.2M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 13.8% in tier |
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| ROA |
0.5%
+3.0% YoY+16.3% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
3.6%
+13.9% YoY+11.0% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
37% |
| Efficiency Ratio |
80.6%
-4.5% YoY-0.6% QoQ
|
-8.2% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
1.5%
+175.3% YoY-19.0% QoQ
|
+0.0 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
72% |
| Loan To Share |
83.7%
+12.1% YoY+18.8% QoQ
|
+24.8% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$12,797
-10.9% YoY-10.2% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
35.8%
-8.2% YoY-10.3% QoQ
|
+11.3% | 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)