BlastPoint's Credit Union Scorecard
MONTGOMERY VA
Charter #5345 · AL
MONTGOMERY VA has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.87% below tier average
- - Efficiency ratio 19.19% above tier (higher cost structure)
- - Delinquency rate 2.00% above tier average
- - Member decline: -5.9% YoY
- - Loan Growth Rate: Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
747
-5.9% YoY-1.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
27,849
-7.3% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$6.4M
-5.5% YoY+0.6% QoQ
|
$-23.7M |
$30.1M
+2.1% YoY
|
$442.6M
+8.5% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$1.5M
-27.1% YoY-11.3% QoQ
|
$-14.3M |
$15.8M
-1.3% YoY
|
$260.4M
+7.2% YoY
|
$397.0M
+8.8% YoY
|
Bottom 14.5% in tier |
| Deposits |
$5.7M
-5.4% YoY+0.9% QoQ
|
$-20.0M |
$25.7M
+1.4% YoY
|
$387.0M
+6.9% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
-0.2%
-70.9% YoY-49.6% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
+32.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.6% in tier |
| NIM |
4.0%
-0.8% YoY-4.0% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+4.6% YoY
|
3.8%
+5.1% YoY
|
54% |
| Efficiency Ratio |
101.7%
-8.5% YoY-4.7% QoQ
|
+19.2% |
82.6%
-2.3% YoY
|
78.3%
-5.6% YoY
|
79.7%
-3.3% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
3.6%
-11.4% YoY+9.9% QoQ
|
+2.0 |
1.6%
-3.1% YoY
|
1.7%
+25.2% YoY
|
1.3%
-2.1% YoY
|
Top 10.4% in tier |
| Loan To Share |
26.2%
-22.9% YoY-12.1% QoQ
|
-34.4% |
60.6%
-3.1% YoY
|
60.7%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.2% in tier |
| AMR |
$9,563
-5.3% YoY-0.9% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$17,441
+4.4% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration |
1.4%
+5.9% YoY-0.8% QoQ
|
-23.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.2% | 7.8% | 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)