BlastPoint's Credit Union Scorecard

STATE DEPARTMENT

Charter #435 · VA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 8 in VA

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STATE DEPARTMENT has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 23.1% in tier
+ Wallet Share Momentum: Top 23.1% in tier
+ Total Assets: Top 0.3% in tier
+ Total Deposits: Top 3.7% in tier
+ Average Member Relationship (AMR): Top 3.7% in tier
+ Loan-to-Member Ratio (LMR): Top 7.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 82.0% in tier
- Stagnation Risk: Bottom 82.0% in tier
- Flatlined Growth: Bottom 86.6% in tier
- ROA 0.33% below tier average
- Net Interest Margin (NIM): Bottom 5.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Virginia.
Shares and deposits +2.3% year over year ($2.42B in shares and deposits).
Membership: 85,293 members, -1.4% vs a year ago.
Delinquency rate 0.86%.
Return on assets 0.49%.
Efficiency ratio 69.68% vs a 73.02% peer average.
Loan-to-share ratio 65.55% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	85,293 -1.4% YoY-0.8% QoQ	-11.6K	96,861 -1.9% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	48%
Assets	$2.9B +0.4% YoY-0.0% QoQ	+$1.2B	$1.7B +0.4% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	Top 0.7% in tier
Loans	$1.6B +9.5% YoY+3.6% QoQ	+$349.1M	$1.2B +0.7% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	76%
Deposits	$2.4B +2.3% YoY-0.2% QoQ	+$952.3M	$1.5B +0.5% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	Top 4.0% in tier

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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	0.5% +106.6% YoY+1.8% QoQ	-0.3%	0.8% +27.6% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	23%
NIM	2.5% +10.4% YoY+0.6% QoQ	-1.0%	3.4% +6.6% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	Bottom 5.3% in tier
Efficiency Ratio	69.7% -3.2% YoY-1.3% QoQ	-3.3%	73.0% -2.7% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	34%
Delinquency Rate	0.9% -20.1% YoY-4.7% QoQ	+0.0	0.9% +7.3% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	64%
Loan To Share	65.5% +7.1% YoY+3.8% QoQ	-19.2%	84.7% +0.1% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	Bottom 12.0% in tier
AMR	$46,885 +6.5% YoY+2.1% QoQ	+$17K	$29,575 +1.5% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	Top 4.0% in tier
CD Concentration	31.9% -1.8% YoY+1.9% QoQ	+2.9%	29.1%	18.0%	20.0%	65%
Indirect Auto %	3.5% -59.7% YoY-18.6% QoQ	-14.6%	18.1%	9.3%	7.7%	21%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#25 of 69 • Top 23.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.47%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $6.0K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#86 of 125 • Top 23.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.47%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (3)

Flatlined Growth

risk

#5 of 12 • Bottom 86.6% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 0.39%

(Tier: 6.52%, National: 3.30%)

worse than tier avg

Return on Assets: 0.49%

(Tier: 0.84%, National: 1.23%)

worse than tier avg

12 of 377 Mid-Market CUs have this signature | 57 nationally

↓ Shrinking -6 CUs YoY | New qualifier

Membership Headwinds

decline

#68 of 86 • Bottom 82.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.36%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Stagnation Risk

risk

#75 of 86 • Bottom 82.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.36%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 9.50%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.86%

(Tier: 0.86%, National: 1.26%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $2.94B

Peer Median: $1.51B

#2 of 300 Top 0.3% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.42B

Peer Median: $1.30B

#12 of 300 Top 3.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $46,885

Peer Median: $28,089

#12 of 300 Top 3.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,564

Peer Median: $12,809

#22 of 300 Top 7.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.47%

Peer Median: 3.19%

#70 of 300 Top 23.0% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 3.46%

Peer Median: 14.26%

#70 of 300 Top 23.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.58B

Peer Median: $1.14B

#71 of 300 Top 23.3% in 1B-3B tier

Top Weaknesses (6 metrics)

284

Net Interest Margin (NIM)

profitability

Value: 2.46%

Peer Median: 3.46%

#284 of 300 Bottom 5.7% in 1B-3B tier

264

Loan-to-Share Ratio

balance_sheet

Value: 65.55%

Peer Median: 87.07%

#264 of 300 Bottom 12.3% in 1B-3B tier

264

First Mortgage Concentration (%)

balance_sheet

Value: 50.77%

Peer Median: 33.59%

#264 of 300 Bottom 12.3% in 1B-3B tier

256

Asset Growth Rate

growth

Value: 0.39%

Peer Median: 5.21%

#256 of 300 Bottom 15.0% in 1B-3B tier

242

Member Growth Rate

growth

Value: -1.36%

Peer Median: 1.84%

#242 of 300 Bottom 19.7% in 1B-3B tier

232

Return on Assets (ROA)

profitability

Value: 0.49%

Peer Median: 0.77%

#232 of 300 Bottom 23.0% in 1B-3B tier