BlastPoint's Credit Union Scorecard
MONTGOMERY VA
Charter #5345 · AL
MONTGOMERY VA has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 25.38% above tier (higher cost structure)
- - Delinquency rate 1.73% above tier average
- - Member decline: -6.0% YoY
- - Loan Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
755
-6.0% YoY-2.8% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$6.4M
-3.7% YoY-4.7% QoQ
|
$-23.5M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
24% |
| Loans |
$1.7M
-21.7% YoY-8.6% QoQ
|
$-14.1M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
16% |
| Deposits |
$5.6M
-3.5% YoY-5.1% QoQ
|
$-19.8M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
25% |
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 |
-0.5%
-55.6% YoY-6.2% QoQ
|
-1.2% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
Bottom 9.0% in tier |
| NIM |
4.2%
+3.7% YoY+2.7% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
106.8%
-6.6% YoY+0.1% QoQ
|
+25.4% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 7.4% in tier |
| Delinquency Rate |
3.2%
+19.2% YoY-14.7% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
Top 10.7% in tier |
| Loan To Share |
29.8%
-18.8% YoY-3.7% QoQ
|
-31.4% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.0% in tier |
| AMR |
$9,649
-2.6% YoY-3.2% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
27% |
| CD Concentration |
1.4%
+3.9% YoY+5.4% QoQ
|
-23.0% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% YoY
|
7.9%
-2.9% YoY
|
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)