BlastPoint's Credit Union Scorecard
FIRST BAPTIST CHURCH OF VIENNA (VA)
Charter #24535 · VA
FIRST BAPTIST CHURCH OF VIENNA (VA) has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 1.15% below tier average
- - Member decline: -40.6% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 1.3% in tier
- - Loan-to-Share Ratio: Bottom 1.6% in tier
- - Total Loans: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% 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 -3.6% year over year ($890K in shares and deposits).
- Membership: 192 members, -40.6% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.34%.
- Efficiency ratio 78.70% vs a 88.77% peer average.
- Loan-to-share ratio 7.93% 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 |
192
-40.6% YoY+1.6% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Bottom 4.4% in tier |
| Assets |
$1.1M
-2.6% YoY+0.2% QoQ
|
$-29.2M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.6% in tier |
| Loans |
$70,618
-11.4% YoY+0.6% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.2% in tier |
| Deposits |
$889,957
-3.6% YoY-0.0% QoQ
|
$-24.9M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.1% in tier |
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| ROA |
0.3%
+305.1% YoY+313.2% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
1.4%
+85.6% YoY+49.0% QoQ
|
-2.5% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
78.7%
-16.1% YoY-16.3% QoQ
|
-10.1% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
7.9%
-8.1% YoY+0.7% QoQ
|
-51.0% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.5% in tier |
| AMR |
$5,003
+61.1% YoY-1.5% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.0% in tier |
| CD Concentration | 0.0% | -24.6% | 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)