BlastPoint's Credit Union Scorecard
SPECTRA
Charter #5380 · VA
SPECTRA has 4 strengths but faces 8 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 7.6% in tier
- + Organic Growth Engine: Top 7.6% in tier
- + Strong member growth: 6.1% YoY
- + Member Growth Rate: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.8% in tier
- - Efficiency Drag: Bottom 14.7% in tier
- - Shrinking Wallet Share: Bottom 99.3% in tier
- - Deposit Outflow: Bottom 99.9% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 11.19% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
- - Deposit Growth Rate: Bottom 0.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,641
+6.1% YoY+2.6% QoQ
|
-7.4K |
38,079
-4.8% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
23% |
| Assets |
$552.6M
-7.8% YoY-0.6% QoQ
|
$-67.1M |
$619.7M
-0.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$344.1M
-7.2% YoY-2.2% QoQ
|
$-75.2M |
$419.3M
-1.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$470.1M
-15.1% YoY-3.8% QoQ
|
$-69.4M |
$539.5M
-0.1% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
19% |
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| ROA | 0.0% | -0.7% |
0.7%
+36.0% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 7.8% in tier |
| NIM |
2.9%
+5.1% YoY-0.2% QoQ
|
-0.5% |
3.5%
+4.5% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 15.0% in tier |
| Efficiency Ratio |
89.6%
-0.9% YoY-1.4% QoQ
|
+11.2% |
78.4%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.2% in tier |
| Delinquency Rate |
1.4%
+46.1% YoY+90.8% QoQ
|
+0.7 |
0.7%
-0.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.2% in tier |
| Loan To Share |
73.2%
+9.2% YoY+1.7% QoQ
|
-4.5% |
77.7%
-1.2% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$26,573
-17.0% YoY-5.6% QoQ
|
$-354 |
$26,927
+3.1% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
18.4%
-40.5% YoY-12.6% QoQ
|
-5.8% | 24.3% | 18.0% | 19.8% | 29% |
| Indirect Auto % |
1.0%
-71.4% YoY
|
-12.9% | 13.8% | 9.4% | 7.7% | 36% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)