BlastPoint's Credit Union Scorecard
FIRST BAPTIST CHURCH OF VIENNA (VA)
Charter #24535 · VA
2556 CUs in <100M nationally
48 in VA
FIRST BAPTIST CHURCH OF VIENNA (VA) has 6 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 15.37% above tier (higher cost structure)
- - Member decline: -43.4% YoY
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Member Growth Rate: Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 1.8% in tier
- - Total Loans: Bottom 2.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.9% in tier
- - Total Members: Bottom 4.6% in tier
- - Total Assets: Bottom 5.8% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Average Member Relationship (AMR): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
-43.4% YoY-4.9% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$1.1M
-2.7% YoY-0.4% QoQ
|
$-29.1M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 5.8% in tier |
| Loans |
$80,011
-11.3% YoY+3.6% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.6% in tier |
| Deposits |
$901,261
-3.4% YoY-0.5% QoQ
|
$-24.8M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.4% in tier |
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| ROA |
0.0%
+69.8% YoY-70.0% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
0.9%
+81.3% YoY+2.0% QoQ
|
-3.0% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
97.9%
-0.6% YoY+5.1% QoQ
|
+15.4% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
8.9%
-8.1% YoY+4.2% QoQ
|
-51.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.7% in tier |
| AMR |
$5,058
+69.5% YoY+4.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 9.4% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
11
AMR Growth Rate
growth
Value:
69.55%
Peer Median: -
#11 of 2556
Top 0.4% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (15 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.0% in <100M tier
2541
Member Growth Rate
growth
Value:
-43.44%
Peer Median: -
#2541 of 2556
Bottom 0.6% in <100M tier
2540
Net Interest Margin (NIM)
profitability
Value:
0.91%
Peer Median: -
#2540 of 2556
Bottom 0.7% in <100M tier
2511
Loan-to-Share Ratio
balance_sheet
Value:
8.88%
Peer Median: -
#2511 of 2556
Bottom 1.8% in <100M tier
2490
Total Loans
balance_sheet
Value:
$80,011
Peer Median: -
#2490 of 2556
Bottom 2.6% in <100M tier
2484
Loan-to-Member Ratio (LMR)
engagement
Value:
$412.43
Peer Median: -
#2484 of 2556
Bottom 2.9% in <100M tier
2440
Total Members
engagement
Value:
194
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2408
Total Assets
balance_sheet
Value:
$1.06M
Peer Median: -
#2408 of 2556
Bottom 5.8% in <100M tier
2392
Total Deposits
balance_sheet
Value:
$901,261
Peer Median: -
#2392 of 2556
Bottom 6.5% in <100M tier
2315
Average Member Relationship (AMR)
engagement
Value:
$5,058
Peer Median: -
#2315 of 2556
Bottom 9.5% in <100M tier