BlastPoint's Credit Union Scorecard

VIRGINIA

Charter #24962 · VA

Large 7B-10B

33 CUs in 7B-10B nationally 1 in VA

View Large leaderboard →

VIRGINIA has 2 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 94.3% in tier
+ Net Interest Margin 0.92% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 52.9% in tier
- Credit Quality Pressure: Bottom 88.9% in tier
- Credit Risk Growth: Bottom 96.7% in tier
- ROA 0.18% below tier average
- Efficiency ratio 6.91% above tier (higher cost structure)
- Delinquency rate 0.35% above tier average
- Total Assets: Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	491,381 +0.9% YoY-24.1% QoQ	+45.5K	445,922 +0.4% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	61%
Assets	$7.2B +5.7% YoY+1.6% QoQ	$-1.7B	$8.9B +0.9% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	Bottom 3.0% in tier
Loans	$5.3B +0.8% YoY+0.7% QoQ	$-964.6M	$6.3B +0.8% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	21%
Deposits	$6.3B +5.8% YoY+1.4% QoQ	$-1.2B	$7.5B +1.2% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	Bottom 9.1% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.8% +133.9% YoY+2.6% QoQ	-0.2%	1.0% +27.8% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	30%
NIM	3.9% +21.3% YoY-1.4% QoQ	+0.9%	3.0% +12.0% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	Top 6.1% in tier
Efficiency Ratio	71.7% -5.6% YoY+1.5% QoQ	+6.9%	64.8% -2.3% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	73%
Delinquency Rate	1.1% +2.7% YoY+10.1% QoQ	+0.4	0.7% +5.5% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	82%
Loan To Share	84.4% -4.7% YoY-0.7% QoQ	+1.0%	83.4% -0.6% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	48%
AMR	$23,540 +2.5% YoY+33.2% QoQ	$-11K	$34,266 -1.7% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	18%
CD Concentration	26.4% +7.3% YoY+0.8% QoQ	-2.7%	29.1%	18.3%	19.8%	37%
Indirect Auto %	24.0% -8.0% YoY-3.4% QoQ	+6.9%	17.1%	9.6%	7.8%	69%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#51 of 54 • Top 94.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.91%

(Tier: 4.35%, National: 4.32%)

but worse than tier avg

Return on Assets: 0.79%

(Tier: 0.90%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 23.99%

(Tier: 17.09%, National: 7.78%)

but worse than tier avg

54 of 68 Large CUs have this signature | 913 nationally

→ No prior data (54 CUs now) | New qualifier

Concerns (3)

Indirect Auto Dependency

risk

#19 of 35 • Bottom 52.9% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.72%

(Tier: 8.38%, National: 3.54%)

worse than tier avg

Indirect Auto %: 23.99%

(Tier: 17.09%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.91%

(Tier: 4.35%, National: 4.32%)

worse than tier avg

35 of 68 Large CUs have this signature | 745 nationally

→ Stable (35→35 CUs)

Credit Quality Pressure

risk

#33 of 37 • Bottom 88.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.06% points)

but better than tier avg

37 of 68 Large CUs have this signature | 969 nationally

→ Stable (41→37 CUs) -4 CUs YoY | New qualifier

Credit Risk Growth

risk

#30 of 31 • Bottom 96.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.75%

(Tier: 6.96%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.06% points)

but better than tier avg

31 of 68 Large CUs have this signature | 665 nationally

→ No prior data (31 CUs now) | New qualifier

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)

Compare against:

Comparing against 33 peers in tier

Top Strengths (2 metrics)

Net Interest Margin (NIM)

profitability

Value: 3.89%

Peer Median: -

#2 of 33 Top 3.0% in 7B-10B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.42%

Peer Median: -

#6 of 33 Top 15.2% in 7B-10B tier

Top Weaknesses (9 metrics)

Total Assets

balance_sheet

Value: $7.24B

Peer Median: -

#32 of 33 Bottom 6.1% in 7B-10B tier

Total Deposits

balance_sheet

Value: $6.27B

Peer Median: -

#30 of 33 Bottom 12.1% in 7B-10B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.07%

Peer Median: -

#28 of 33 Bottom 18.2% in 7B-10B tier

Net Charge-Off Rate

risk

Value: 0.86%

Peer Median: -

#28 of 33 Bottom 18.2% in 7B-10B tier

Member Growth Rate

growth

Value: 0.91%

Peer Median: -

#27 of 33 Bottom 21.2% in 7B-10B tier

Average Member Relationship (AMR)

engagement

Value: $23,540

Peer Median: -

#27 of 33 Bottom 21.2% in 7B-10B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $10,772

Peer Median: -

#27 of 33 Bottom 21.2% in 7B-10B tier

Loan Growth Rate

growth

Value: 0.75%

Peer Median: -

#26 of 33 Bottom 24.2% in 7B-10B tier

Total Loans

balance_sheet

Value: $5.29B

Peer Median: -

#26 of 33 Bottom 24.2% in 7B-10B tier