VIRGINIA

Charter #24962 | VA

7B-10B (30 CUs) Large (64 CUs)
1 7B-10B in VA

VIRGINIA has 6 strengths but faces 11 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 10.1% in tier
  • + Net Interest Margin 0.94% above tier average
  • + Strong member growth: 32.4% YoY
  • + Member Growth Rate: Top 0.0% in tier
  • + Total Members: Top 6.7% in tier
  • + Members Per Employee (MPE): Top 10.0% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 0.0% in tier
  • - Credit Quality Pressure: Bottom 25.4% in tier
  • - Indirect Auto Dependency: Bottom 27.3% in tier
  • - ROA 0.26% below tier average
  • - Efficiency ratio 6.91% above tier (higher cost structure)
  • - Delinquency rate 0.30% above tier average
  • - AMR Growth Rate: Bottom 3.3% in tier
  • - Total Assets: Bottom 3.3% in tier
  • - Average Member Relationship (AMR): Bottom 6.7% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
  • - Total Deposits: Bottom 10.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 647,446
+32.4% YoY+31.2% QoQ
 +188.1K 459,296
+3.8% YoY
 220,190
+7.3% YoY
 33,089
+6.1% YoY
 Top 10.0% in tier
Assets $7.1B
+3.0% YoY+1.9% QoQ
 $-1.8B $8.9B
+1.2% YoY
 $2.9B
+6.5% YoY
 $547.7M
+7.8% YoY
 Bottom 0.0% in tier
Loans $5.3B
-0.3% YoY-0.4% QoQ
 $-1.1B $6.3B
+2.9% YoY
 $2.1B
+5.3% YoY
 $388.7M
+8.6% YoY
 Bottom 16.7% in tier
Deposits $6.2B
+5.6% YoY+1.6% QoQ
 $-1.3B $7.5B
+2.3% YoY
 $2.4B
+8.1% YoY
 $464.6M
+9.3% YoY
 Bottom 6.7% in tier
ROA 0.8%
+454.0% YoY+10.2% QoQ
 -0.3% 1.0%
+22.1% YoY
 0.7%
+11.3% YoY
 0.7%
+273.4% YoY
 Bottom 23.3% in tier
NIM 3.9%
+37.7% YoY+0.1% QoQ
 +0.9% 3.0%
+11.5% YoY
 3.9%
+2.0% YoY
 3.7%
+5.0% YoY
 Top 6.7% in tier
Efficiency Ratio 70.6%
-9.9% YoY-1.9% QoQ
 +6.9% 63.7%
-2.2% YoY
 80.4%
+0.4% YoY
 79.1%
-3.3% YoY
 67th in tier
Delinquency Rate 1.0%
+0.7% YoY+1.0% QoQ
 +0.3 0.7%
+10.8% YoY
 1.7%
+32.7% YoY
 1.2%
-0.9% YoY
 Top 16.7% in tier
Loan To Share 85.0%
-5.6% YoY-2.1% QoQ
 -0.5% 85.4%
+0.7% YoY
 66.7%
-4.2% YoY
 68.0%
-1.7% YoY
 37th in tier
AMR $17,672
-22.3% YoY-23.2% QoQ
 $-16K $33,660
-2.9% YoY
 $18,613
+1.9% YoY
 $19,418
+1.3% YoY
 Bottom 3.3% in tier
CD Concentration 26.2%
+7.3% YoY+2.7% QoQ
 -2.7% 28.9%
-1.3% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 36th in tier
Indirect Auto % 24.8%
-7.0% YoY-2.1% QoQ
 +8.2% 16.6%
-10.3% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 72nd in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#16 of 50 • Top 10.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 32.36%
(Tier: 3.07%, National: 9.37%)
better than tier avg
Return on Assets: 0.77%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 24.83%
(Tier: 16.60%, National: 7.90%)
but worse than tier avg
50 of 64 Large CUs have this signature | 917 nationally
→ Stable (52→50 CUs) -2 CUs YoY | New qualifier

Concerns (3)

Shrinking Wallet Share

decline
#1 of 15 • Bottom 0.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -22.31%
(Tier: 2.82%, National: 4.19%)
worse than tier avg
15 of 64 Large CUs have this signature | 346 nationally
↓ Shrinking -6 CUs YoY | New qualifier

Credit Quality Pressure

risk
#32 of 34 • Bottom 25.4% in tier

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

Why This Signature
Delinquency Change (YoY): 0.01% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
34 of 64 Large CUs have this signature | 1002 nationally
↓ Shrinking -17 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#28 of 33 • Bottom 27.3% in tier

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

Why This Signature
Asset Growth (YoY): 3.03%
(Tier: 4.60%, National: 3.04%)
worse than tier avg
Indirect Auto %: 24.83%
(Tier: 16.60%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 32.36%
(Tier: 3.07%, National: 9.37%)
but better than tier avg
33 of 64 Large CUs have this signature | 768 nationally
→ Stable (34→33 CUs) -1 CUs YoY | Rank worsening

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)

Comparing against 30 peers in tier

Top Strengths (5 metrics)

1
Member Growth Rate
growth
Value: 32.36%
Peer Avg: 2.85%
#1 of 30 Top 0.0% in 7B-10B tier
2
Net Interest Margin (NIM)
profitability
Value: 3.94%
Peer Avg: 3.00%
#2 of 30 Top 3.3% in 7B-10B tier
3
Total Members
engagement
Value: 647,446
Peer Avg: 459,296
#3 of 30 Top 6.7% in 7B-10B tier
4
Members Per Employee (MPE)
engagement
Value: 598.932
Peer Avg: 450.512
#4 of 30 Top 10.0% in 7B-10B tier
5
First Mortgage Concentration (%)
balance_sheet
Value: 22.43%
Peer Avg: 38.48%
#5 of 30 Top 13.3% in 7B-10B tier

Top Weaknesses (9 metrics)

30
AMR Growth Rate
growth
Value: -22.31%
Peer Avg: 1.77%
#30 of 30 Bottom 3.3% in 7B-10B tier
30
Total Assets
balance_sheet
Value: $7.13B
Peer Avg: $8.92B
#30 of 30 Bottom 3.3% in 7B-10B tier
29
Average Member Relationship (AMR)
engagement
Value: $17,672
Peer Avg: $33,660
#29 of 30 Bottom 6.7% in 7B-10B tier
29
Loan-to-Member Ratio (LMR)
engagement
Value: $8,118
Peer Avg: $15,544
#29 of 30 Bottom 6.7% in 7B-10B tier
28
Total Deposits
balance_sheet
Value: $6.19B
Peer Avg: $7.45B
#28 of 30 Bottom 10.0% in 7B-10B tier
26
Loan Growth Rate
growth
Value: -0.26%
Peer Avg: 3.91%
#26 of 30 Bottom 16.7% in 7B-10B tier
26
Total Delinquency Rate (60+ days)
risk
Value: 0.97%
Peer Avg: 0.67%
#26 of 30 Bottom 16.7% in 7B-10B tier
25
Net Charge-Off Rate
risk
Value: 0.88%
Peer Avg: 0.56%
#25 of 30 Bottom 20.0% in 7B-10B tier
25
Total Loans
balance_sheet
Value: $5.26B
Peer Avg: $6.34B
#25 of 30 Bottom 20.0% in 7B-10B tier