BlastPoint's Credit Union Scorecard
BRONCO
Charter #4616 · VA
BRONCO has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 29.1% in tier
- + Organic Growth Engine: Top 51.4% in tier
- + Net Interest Margin 0.82% above tier average
- + Loan Growth Rate: Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.7% in tier
- - Credit Quality Pressure: Bottom 9.1% in tier
- - Indirect Auto Dependency: Bottom 16.4% in tier
- - Margin Compression: Bottom 51.6% in tier
- - ROA 0.01% below tier average
- - Delinquency rate 0.46% above tier average
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,291
+5.0% YoY+0.6% QoQ
|
+3.9K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$283.0M
+8.5% YoY+1.2% QoQ
|
+$51.1M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$205.4M
+24.8% YoY+1.6% QoQ
|
+$58.1M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$252.5M
+8.7% YoY+1.3% QoQ
|
+$51.7M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
72% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-41.0% YoY-12.8% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
4.4%
+1.9% YoY-1.3% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Top 11.2% in tier |
| Efficiency Ratio |
72.4%
-1.7% YoY+0.6% QoQ
|
-4.7% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate |
1.3%
+131.7% YoY+10.5% QoQ
|
+0.5 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
81.4%
+14.9% YoY+0.3% QoQ
|
+9.1% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$23,739
+9.9% YoY+0.8% QoQ
|
$-937 |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
27.4%
+29.5% YoY+2.1% QoQ
|
+2.9% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
42.7%
+33.9% YoY+1.8% QoQ
|
+28.9% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)