BlastPoint's Credit Union Scorecard
SPECTRA
Charter #5380 · VA
SPECTRA has 5 strengths but faces 6 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 6.8% in tier
- + Organic Growth Engine: Top 20.2% in tier
- + Relationship Depth Leader: Top 67.6% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 18.6% in tier
- - ROA 0.65% below tier average
- - Efficiency ratio 13.63% above tier (higher cost structure)
- - Delinquency rate 0.19% above tier average
- - Fee Income Per Member: Bottom 4.1% in tier
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,498
+4.8% YoY+1.5% QoQ
|
-10.3K |
39,752
-2.7% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
17% |
| Assets |
$579.7M
+6.8% YoY-2.1% QoQ
|
$-42.7M |
$622.4M
+0.3% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
35% |
| Loans |
$362.8M
+1.3% YoY-2.4% QoQ
|
$-73.2M |
$435.9M
-0.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
20% |
| Deposits |
$532.2M
+13.3% YoY-2.1% QoQ
|
$-5.9M |
$538.0M
+1.3% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
46% |
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| ROA |
0.0%
-102.5% YoY-60.6% QoQ
|
-0.6% |
0.7%
+33.9% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
Bottom 6.5% in tier |
| NIM |
2.9%
-10.9% YoY+1.7% QoQ
|
-0.5% |
3.4%
+8.6% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
91.7%
+2.5% YoY-0.9% QoQ
|
+13.6% |
78.1%
-3.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 7.1% in tier |
| Delinquency Rate |
1.0%
-47.3% YoY-27.3% QoQ
|
+0.2 |
0.8%
-4.9% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
68.2%
-10.6% YoY-0.3% QoQ
|
-12.9% |
81.0%
-1.8% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$30,339
+3.2% YoY-3.7% QoQ
|
+$4K |
$26,482
+2.6% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
30.3%
+46.4% YoY-0.1% QoQ
|
+5.9% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
71% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)