BlastPoint's Credit Union Scorecard
STATE DEPARTMENT
Charter #435 · VA
STATE DEPARTMENT has 5 strengths but faces 5 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 45.5% in tier
- + Total Assets: Top 0.7% in tier
- + Total Deposits: Top 2.9% in tier
- + Average Member Relationship (AMR): Top 4.6% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 81.8% in tier
- - Membership Headwinds: Bottom 81.8% in tier
- - ROA 0.23% below tier average
- - Delinquency rate 0.14% above tier average
- - Net Interest Margin (NIM): Bottom 6.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
85,954
-1.5% YoY+1.1% QoQ
|
-10.1K |
96,048
-2.7% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$2.9B
-0.4% YoY+0.1% QoQ
|
+$1.2B |
$1.7B
+0.4% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Top 1.0% in tier |
| Loans |
$1.5B
+3.8% YoY+0.5% QoQ
|
+$314.9M |
$1.2B
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$2.4B
+1.1% YoY+1.5% QoQ
|
+$954.5M |
$1.5B
+0.5% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 3.3% in tier |
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| ROA |
0.5%
+100.5% YoY+62.2% QoQ
|
-0.2% |
0.7%
+27.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
2.4%
+10.1% YoY+6.8% QoQ
|
-0.9% |
3.4%
+6.2% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 5.9% in tier |
| Efficiency Ratio |
70.6%
-6.0% YoY-2.3% QoQ
|
-4.0% |
74.6%
-3.0% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.9%
-11.4% YoY-10.1% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
74% |
| Loan To Share |
63.2%
+2.6% YoY-0.9% QoQ
|
-20.0% |
83.2%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$45,939
+3.7% YoY-0.0% QoQ
|
+$16K |
$29,652
+2.3% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Top 4.9% in tier |
| CD Concentration |
31.4%
-2.6% YoY-1.6% QoQ
|
+2.5% | 28.8% | 18.0% | 19.8% | 63% |
| Indirect Auto % |
4.2%
-55.8% YoY-61.3% QoQ
|
-13.8% | 18.1% | 9.4% | 7.7% | 24% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)