BlastPoint's Credit Union Scorecard

BRONCO

Charter #4616 · VA

1077 CUs in 100M-500M nationally 25 in VA

BRONCO has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 15.9% in tier
+ Wallet Share Momentum: Top 27.5% in tier
+ ROA 0.07% above tier average
+ Net Interest Margin 0.90% above tier average
+ Loan Growth Rate: Top 2.6% in tier
+ AMR Growth Rate: Top 9.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.2% in tier
- Indirect Auto Dependency: Bottom 3.8% in tier
- Credit Quality Pressure: Bottom 11.3% in tier
- Margin Compression: Bottom 12.7% in tier
- Delinquency rate 0.36% above tier average
- Indirect Auto Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	19,172 +4.4% YoY+2.0% QoQ	+3.5K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	73%
Assets	$279.5M +8.9% YoY+2.4% QoQ	+$48.2M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	70%
Loans	$202.1M +22.8% YoY+4.8% QoQ	+$54.3M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	76%
Deposits	$249.2M +8.8% YoY+2.4% QoQ	+$48.9M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	71%

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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	0.9% -38.2% YoY-3.8% QoQ	+0.1%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	57%
NIM	4.5% +3.1% YoY-0.6% QoQ	+0.9%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	Top 9.4% in tier
Efficiency Ratio	72.0% -0.6% YoY+1.0% QoQ	-5.3%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	31%
Delinquency Rate	1.2% +30.1% YoY+79.3% QoQ	+0.4	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	78%
Loan To Share	81.1% +13.0% YoY+2.4% QoQ	+8.4%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	67%
AMR	$23,543 +9.8% YoY+1.5% QoQ	$-820	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	57%
CD Concentration	26.8% +29.5% YoY+13.8% QoQ	+2.4%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	41.9% +32.7% YoY+5.8% QoQ	+27.9%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#292 of 603 • Top 15.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.38%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.86%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 41.91%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#133 of 481 • Top 27.5% in tier

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

Why This Signature

AMR Growth (YoY): 9.83%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#34 of 446 • Bottom 2.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 22.84%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#62 of 525 • Bottom 3.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 8.91%

(Tier: 4.61%, National: 3.04%)

but better than tier avg

Indirect Auto %: 41.91%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 4.38%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank improving

Credit Quality Pressure

risk

#280 of 736 • Bottom 11.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.28% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Margin Compression

decline

#54 of 136 • Bottom 12.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.86%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.39%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.53% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Loan Growth Rate

growth

Value: 22.84%

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

101

Net Interest Margin (NIM)

profitability

Value: 4.48%

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

106

AMR Growth Rate

growth

Value: 9.83%

Peer Avg: -

#106 of 1077 Top 9.7% in 100M-500M tier

124

Member Growth Rate

growth

Value: 4.38%

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

172

Asset Growth Rate

growth

Value: 8.91%

Peer Avg: -

#172 of 1077 Top 15.9% in 100M-500M tier

178

Deposit Growth Rate

growth

Value: 8.75%

Peer Avg: -

#178 of 1077 Top 16.4% in 100M-500M tier

262

Total Loans

balance_sheet

Value: $202.14M

Peer Avg: -

#262 of 1077 Top 24.2% in 100M-500M tier

Top Weaknesses (2 metrics)

995

Indirect Auto Concentration (%)

balance_sheet

Value: 41.91%

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

843

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Avg: -

#843 of 1077 Bottom 21.8% in 100M-500M tier