BlastPoint's Credit Union Scorecard

VIRGINIA STATE UNIVERSITY

Charter #3029 · VA

<100M

2508 CUs in <100M nationally 48 in VA

VIRGINIA STATE UNIVERSITY has 2 strengths but faces 3 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.56% above tier average
+ Net Charge-Off Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Delinquency rate 0.36% above tier average
- Net Worth Ratio: Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	1,891 -0.8% YoY0% QoQ	-785	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	49%
Assets	$13.6M +1.7% YoY+4.9% QoQ	$-16.6M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	38%
Loans	$7.9M -4.4% YoY-3.2% QoQ	$-7.4M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	45%
Deposits	$12.3M +0.1% YoY+5.6% QoQ	$-13.4M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	41%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.2% -78.3% YoY-117.8% QoQ	-0.3%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	18%
NIM	5.6% -4.4% YoY-6.3% QoQ	+1.6%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Top 6.1% in tier
Efficiency Ratio	82.4% -1.6% YoY+3.1% QoQ	-8.2%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	52%
Delinquency Rate	1.9% -20.0% YoY+11.0% QoQ	+0.4	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	79%
Loan To Share	64.0% -4.6% YoY-8.4% QoQ	+5.5%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	58%
AMR	$10,701 -0.9% YoY+2.0% QoQ	$-4K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	32%
CD Concentration	0.2%	-24.1%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

153

Net Interest Margin (NIM)

profitability

Value: 5.56%

Peer Median: 3.83%

#153 of 2508 Top 6.1% in <100M tier

183

Net Charge-Off Rate

risk

Value: -0.16%

Peer Median: 0.07%

#183 of 2508 Top 7.3% in <100M tier

571

Share Certificate Concentration (%)

balance_sheet

Value: 0.19%

Peer Median: 12.45%

#571 of 2508 Top 22.7% in <100M tier

602

Fee Income Per Member

profitability

Value: $111.66

Peer Median: $60.42

#602 of 2508 Top 24.0% in <100M tier

Top Weaknesses (3 metrics)

2338

Net Worth Ratio

risk

Value: 8.42%

Peer Median: 14.28%

#2338 of 2508 Bottom 6.8% in <100M tier

2056

Return on Assets (ROA)

profitability

Value: -0.16%

Peer Median: 0.61%

#2056 of 2508 Bottom 18.1% in <100M tier

1990

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Median: 0.65%

#1990 of 2508 Bottom 20.7% in <100M tier