BlastPoint's Credit Union Scorecard
STATE DEPARTMENT
Charter #435 · VA
STATE DEPARTMENT has 6 strengths but faces 6 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
- + Relationship Depth Leader: Top 48.4% in tier
- + Wallet Share Momentum: Top 95.9% in tier
- + Total Assets: Top 2.0% in tier
- + Total Deposits: Top 3.0% in tier
- + Average Member Relationship (AMR): Top 5.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 38.1% in tier
- - Stagnation Risk: Bottom 38.1% in tier
- - ROA 0.39% below tier average
- - Delinquency rate 0.11% above tier average
- - Member decline: -3.3% YoY
- - Net Interest Margin (NIM): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,016
-3.3% YoY-0.9% QoQ
|
-12.4K |
97,431
-2.4% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$2.9B
+1.1% YoY+1.4% QoQ
|
+$1.2B |
$1.7B
+0.9% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Top 2.3% in tier |
| Loans |
$1.5B
+2.2% YoY+6.9% QoQ
|
+$286.2M |
$1.2B
+0.5% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$2.4B
+1.3% YoY+1.3% QoQ
|
+$926.1M |
$1.5B
+0.9% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Top 3.3% in tier |
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| ROA |
0.3%
-11.4% YoY+24.3% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
2.3%
+8.9% YoY+0.6% QoQ
|
-1.0% |
3.3%
+9.2% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
72.2%
-3.5% YoY-1.0% QoQ
|
-1.8% |
74.1%
-9.5% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
1.0%
-11.8% YoY+1.8% QoQ
|
+0.1 |
0.9%
+6.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
63.7%
+0.9% YoY+5.5% QoQ
|
-21.0% |
84.8%
-0.8% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.6% in tier |
| AMR |
$45,945
+5.2% YoY+4.3% QoQ
|
+$17K |
$29,428
+2.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 5.3% in tier |
| CD Concentration |
31.9%
-0.5% YoY+0.0% QoQ
|
+2.8% | 29.0% | 18.3% | 19.8% | 65% |
| Indirect Auto % |
11.0%
+1.5% YoY+44.5% QoQ
|
-7.4% | 18.3% | 9.6% | 7.8% | 40% |
Signature Analysis
Strengths (2)
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 (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)