BlastPoint's Credit Union Scorecard
VIRGINIA
Charter #24962 · VA
VIRGINIA has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.73% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 60.9% in tier
- - ROA 0.52% below tier average
- - Efficiency ratio 12.13% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
494,625
+0.9% YoY+0.7% QoQ
|
+57.7K |
436,889
-2.3% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
59% |
| Assets |
$7.4B
+5.0% YoY+1.6% QoQ
|
$-1.6B |
$8.9B
-0.1% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.9% in tier |
| Loans |
$5.3B
+0.8% YoY+0.3% QoQ
|
$-836.4M |
$6.1B
-1.1% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
24% |
| Deposits |
$6.4B
+4.5% YoY+1.9% QoQ
|
$-1.3B |
$7.7B
+1.8% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.3% in tier |
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| ROA |
0.4%
-24.7% YoY-45.9% QoQ
|
-0.5% |
0.9%
+16.3% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.8% in tier |
| NIM |
3.8%
-3.2% YoY-2.5% QoQ
|
+0.7% |
3.1%
+6.3% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Top 10.3% in tier |
| Efficiency Ratio |
78.2%
+4.8% YoY+9.0% QoQ
|
+12.1% |
66.1%
-2.8% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.8% in tier |
| Delinquency Rate |
0.9%
-0.3% YoY-16.1% QoQ
|
+0.3 |
0.6%
+12.0% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
79% |
| Loan To Share |
83.1%
-3.5% YoY-1.5% QoQ
|
+2.7% |
80.4%
-3.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$23,659
+1.9% YoY+0.5% QoQ
|
$-13K |
$37,056
+6.8% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Bottom 13.8% in tier |
| CD Concentration |
26.0%
+6.3% YoY-1.6% QoQ
|
-2.7% | 28.6% | 18.0% | 19.8% | 38% |
| Indirect Auto % |
23.2%
-10.0% YoY-3.3% QoQ
|
+6.8% | 16.4% | 9.4% | 7.7% | 70% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)