BlastPoint's Credit Union Scorecard

SPECTRA

Charter #5380 · VA

Community 500M-750M

165 CUs in 500M-750M nationally 6 in VA

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SPECTRA has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 5.0% in tier
+ Organic Growth Engine: Top 5.0% in tier
+ Strong member growth: 8.5% YoY
+ Member Growth Rate: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 5.4% in tier
- Credit Quality Pressure: Bottom 11.1% in tier
- Shrinking Wallet Share: Bottom 99.5% in tier
- Deposit Outflow: Bottom 99.9% in tier
- ROA 0.80% below tier average
- Efficiency ratio 16.63% above tier (higher cost structure)
- Delinquency rate 1.05% above tier average
- AMR Growth Rate: Bottom 0.6% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Virginia.
Shares and deposits -15.6% year over year ($459M in shares and deposits).
Membership: 31,519 members, +8.5% vs a year ago.
Delinquency rate 1.85%.
Return on assets 0.02%.
Efficiency ratio 93.19% vs a 76.56% peer average.
Loan-to-share ratio 73.59% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	31,519 +8.5% YoY+2.9% QoQ	-6.4K	37,897 -5.0% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	26%
Assets	$544.4M -8.0% YoY-1.5% QoQ	$-78.0M	$622.4M +0.6% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	21%
Loans	$337.6M -9.2% YoY-1.9% QoQ	$-90.9M	$428.5M -0.7% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	18%
Deposits	$458.8M -15.6% YoY-2.4% QoQ	$-81.0M	$539.8M +0.9% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	16%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0%	-0.8%	0.8% +39.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	Bottom 0.6% in tier
NIM	3.0% +4.5% YoY+0.8% QoQ	-0.6%	3.5% +5.0% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	Bottom 13.3% in tier
Efficiency Ratio	93.2% +0.7% YoY+4.0% QoQ	+16.6%	76.6% -3.6% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	Bottom 3.6% in tier
Delinquency Rate	1.9% +36.0% YoY+33.3% QoQ	+1.0	0.8% +3.1% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	Bottom 4.8% in tier
Loan To Share	73.6% +7.6% YoY+0.5% QoQ	-5.7%	79.3% -1.4% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	28%
AMR	$25,266 -19.8% YoY-4.9% QoQ	$-2K	$27,294 +4.1% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	47%
CD Concentration	18.7% -38.3% YoY+1.6% QoQ	-5.8%	24.6%	18.0%	20.0%	29%
Indirect Auto %	2.4% -24.0% YoY+150.3% QoQ	-11.2%	13.6%	9.3%	7.7%	40%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#31 of 342 • Top 5.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 8.46%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 2.38%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#232 of 344 • Top 5.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 8.46%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.02%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 2.38%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (4)

Deposit Outflow

decline

#1 of 84 • Bottom 99.9% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -15.63%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 8.46%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 276 Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#7 of 223 • Bottom 99.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -19.79%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | New qualifier

Efficiency Drag

risk

#92 of 531 • Bottom 5.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.19%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 8.46%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#143 of 693 • Bottom 11.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.49% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (4 metrics)

Member Growth Rate

growth

Value: 8.46%

Peer Median: 0.59%

#8 of 165 Top 4.2% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 431.767

Peer Median: 313.721

#23 of 165 Top 13.3% in 500M-750M tier

Share Certificate Concentration (%)

balance_sheet

Value: 18.73%

Peer Median: 26.69%

#29 of 165 Top 17.0% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.21%

Peer Median: 34.05%

#36 of 165 Top 21.2% in 500M-750M tier

Top Weaknesses (13 metrics)

165

AMR Growth Rate

growth

Value: -19.79%

Peer Median: 3.83%

#165 of 165 Bottom 0.6% in 500M-750M tier

164

Return on Assets (ROA)

profitability

Value: 0.02%

Peer Median: 0.74%

#164 of 165 Bottom 1.2% in 500M-750M tier

164

Deposit Growth Rate

growth

Value: -15.63%

Peer Median: 4.04%

#164 of 165 Bottom 1.2% in 500M-750M tier

162

Asset Growth Rate

growth

Value: -8.01%

Peer Median: 4.61%

#162 of 165 Bottom 2.4% in 500M-750M tier

160

Efficiency Ratio

profitability

Value: 93.19%

Peer Median: 77.45%

#160 of 165 Bottom 3.6% in 500M-750M tier

159

Loan Growth Rate

growth

Value: -9.17%

Peer Median: 4.82%

#159 of 165 Bottom 4.2% in 500M-750M tier

158

Total Delinquency Rate (60+ days)

risk

Value: 1.85%

Peer Median: 0.70%

#158 of 165 Bottom 4.8% in 500M-750M tier

152

Fee Income Per Member

profitability

Value: $98.03

Peer Median: $191.53

#152 of 165 Bottom 8.5% in 500M-750M tier

143

Net Interest Margin (NIM)

profitability

Value: 2.97%

Peer Median: 3.55%

#143 of 165 Bottom 13.9% in 500M-750M tier

143

Net Worth Ratio

risk

Value: 8.67%

Peer Median: 10.42%

#143 of 165 Bottom 13.9% in 500M-750M tier