BlastPoint's Credit Union Scorecard
SPECTRA
Charter #5380 · VA
SPECTRA has 3 strengths but faces 10 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 30.3% in tier
- + Organic Growth Engine: Top 67.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 0.0% in tier
- - Shrinking Wallet Share: Bottom 6.3% in tier
- - Efficiency Drag: Bottom 54.9% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 13.36% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 1.2% in tier
- - AMR Growth Rate: Bottom 1.8% in tier
- - Asset Growth Rate: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,867
+4.0% YoY+1.3% QoQ
|
-8.7K |
38,575
-4.8% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$555.7M
-5.8% YoY-4.1% QoQ
|
$-66.0M |
$621.7M
+0.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
24% |
| Loans |
$351.9M
-6.2% YoY-3.0% QoQ
|
$-77.9M |
$429.8M
-1.8% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$488.9M
-10.9% YoY-8.1% QoQ
|
$-49.8M |
$538.7M
+0.6% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.0%
-100.2% YoY-91.3% QoQ
|
-0.7% |
0.7%
+42.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.7% in tier |
| NIM |
3.0%
-3.2% YoY+2.1% QoQ
|
-0.5% |
3.4%
+8.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
19% |
| Efficiency Ratio |
90.9%
-0.3% YoY-0.9% QoQ
|
+13.4% |
77.5%
-4.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 5.5% in tier |
| Delinquency Rate |
0.7%
-44.9% YoY-26.4% QoQ
|
-0.1 |
0.8%
-1.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
52% |
| Loan To Share |
72.0%
+5.3% YoY+5.6% QoQ
|
-7.9% |
79.8%
-2.3% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$28,150
-12.5% YoY-7.2% QoQ
|
+$1K |
$26,849
+2.7% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
21.1%
-33.6% YoY-30.4% QoQ
|
-3.3% | 24.4% | 18.3% | 19.8% | 38% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 9.6% | 7.8% | Bottom 0.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)