BlastPoint's Credit Union Scorecard
MONTGOMERY VA
Charter #5345 · AL
MONTGOMERY VA has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 4.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 29.94% above tier (higher cost structure)
- - Member decline: -7.1% YoY
- - Loan Growth Rate: Bottom 2.0% in tier
- - Asset Growth Rate: Bottom 3.2% in tier
- - Deposit Growth Rate: Bottom 4.5% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
729
-7.1% YoY-2.4% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$6.0M
-11.7% YoY-6.2% QoQ
|
$-24.2M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$1.3M
-32.8% YoY-10.0% QoQ
|
$-13.9M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.7% in tier |
| Deposits |
$5.3M
-12.3% YoY-6.6% QoQ
|
$-20.5M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
-0.4%
-52.0% YoY+42.6% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.8% in tier |
| NIM |
3.9%
-3.0% YoY-1.7% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
55% |
| Efficiency Ratio |
120.6%
+9.3% YoY+18.5% QoQ
|
+29.9% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.8% in tier |
| Delinquency Rate |
0.5%
-86.8% YoY-86.1% QoQ
|
-1.0 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
43% |
| Loan To Share |
25.3%
-23.4% YoY-3.6% QoQ
|
-33.2% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.5% in tier |
| AMR |
$9,082
-11.0% YoY-5.0% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
24% |
| CD Concentration |
1.5%
+12.8% YoY+5.7% QoQ
|
-22.8% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)