BlastPoint's Credit Union Scorecard
TRANSPORTATION
Charter #3140 · VA
TRANSPORTATION has 9 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.5% in tier
- + Organic Growth Engine: Top 19.2% in tier
- + Relationship Depth Leader: Top 25.8% in tier
- + Wallet Share Momentum: Top 55.4% in tier
- + Strong member growth: 5.4% YoY
- + Deposit Growth Rate: Top 2.9% in tier
- + Asset Growth Rate: Top 3.2% in tier
- + Member Growth Rate: Top 8.4% in tier
- + Average Member Relationship (AMR): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 16.8% in tier
- - Efficiency Drag: Bottom 18.8% in tier
- - Credit Quality Pressure: Bottom 20.3% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 9.17% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,304
+5.4% YoY+2.2% QoQ
|
-324 |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
58% |
| Assets |
$346.2M
+15.8% YoY+1.5% QoQ
|
+$114.9M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
81% |
| Loans |
$226.3M
+7.8% YoY+1.7% QoQ
|
+$78.5M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$312.3M
+17.1% YoY+1.4% QoQ
|
+$112.0M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
84% |
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| ROA |
0.3%
-38.9% YoY-6.4% QoQ
|
-0.5% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
3.0%
-2.6% YoY+0.1% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
86.4%
+4.0% YoY-2.4% QoQ
|
+9.2% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
0.7%
+14.0% YoY+11.6% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
72.5%
-7.9% YoY+0.3% QoQ
|
-0.2% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$35,191
+7.2% YoY-0.7% QoQ
|
+$11K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
Top 8.7% in tier |
| CD Concentration |
40.5%
+16.0% YoY+1.2% QoQ
|
+16.1% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
7.1%
+52.5% YoY+53.9% QoQ
|
-6.9% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)