BlastPoint's Credit Union Scorecard
VA HOSPITAL
Charter #24429 · AR
VA HOSPITAL has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.05% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Charge-Off Rate: Top 5.7% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 17.77% above tier (higher cost structure)
- - Member decline: -7.1% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,529
-7.1% YoY-0.5% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
41% |
| Assets |
$8.6M
-2.0% YoY+2.4% QoQ
|
$-21.6M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
29% |
| Loans |
$4.5M
-14.6% YoY-3.5% QoQ
|
$-10.8M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$7.7M
-2.4% YoY+2.7% QoQ
|
$-18.1M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
0.2%
-105.6% YoY-123.5% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
30% |
| NIM |
3.4%
-9.8% YoY-15.5% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
33% |
| Efficiency Ratio |
108.4%
-39.9% YoY-6.8% QoQ
|
+17.8% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.4% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
59.1%
-12.5% YoY-6.1% QoQ
|
+0.6% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
51% |
| AMR |
$7,973
-0.2% YoY+0.8% QoQ
|
$-7K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
10.4%
+7.4% YoY-1.3% QoQ
|
-13.9% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 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)