BlastPoint's Credit Union Scorecard

ROANOKE VALLEY COMMUNITY

Charter #5604 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

ROANOKE VALLEY COMMUNITY has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.83% above tier average
+ Net Interest Margin 0.63% above tier average
+ Share Certificate Concentration (%): Top 1.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Total Deposits: Bottom 3.1% in tier
- Total Assets: Bottom 5.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	9,109 -1.6% YoY+0.5% QoQ	-6.0K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	25%
Assets	$107.1M +1.8% YoY+3.6% QoQ	$-124.6M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Bottom 5.0% in tier
Loans	$77.4M +2.7% YoY-2.2% QoQ	$-66.7M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	23%
Deposits	$89.6M +1.4% YoY+4.0% QoQ	$-111.5M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Bottom 3.0% in tier

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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	1.6% +22.7% YoY+0.3% QoQ	+0.8%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Top 10.2% in tier
NIM	4.3% +13.9% YoY+3.8% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	69.1% -2.9% YoY+0.8% QoQ	-8.9%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.2% -50.9% YoY-7.5% QoQ	-0.5	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	18%
Loan To Share	86.4% +1.2% YoY-5.9% QoQ	+15.9%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	82%
AMR	$18,340 +3.7% YoY+0.5% QoQ	$-7K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	22%
CD Concentration	0.6% -10.2% YoY-3.0% QoQ	-23.7%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Membership Headwinds

decline

#421 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#494 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.59%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.67%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.25%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Overhang

risk

#126 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.01%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 86.36%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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 1070 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.58%

Peer Median: 23.10%

#15 of 1070 Top 1.3% in 100M-500M tier

109

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: 0.69%

#109 of 1070 Top 10.1% in 100M-500M tier

120

Net Worth Ratio

risk

Value: 16.01%

Peer Median: 11.45%

#120 of 1070 Top 11.1% in 100M-500M tier

169

Net Interest Margin (NIM)

profitability

Value: 4.26%

Peer Median: 3.62%

#169 of 1070 Top 15.7% in 100M-500M tier

192

Total Delinquency Rate (60+ days)

risk

Value: 0.25%

Peer Median: 0.61%

#192 of 1070 Top 17.9% in 100M-500M tier

197

Loan-to-Share Ratio

balance_sheet

Value: 86.36%

Peer Median: 71.88%

#197 of 1070 Top 18.3% in 100M-500M tier

199

First Mortgage Concentration (%)

balance_sheet

Value: 13.97%

Peer Median: 29.47%

#199 of 1070 Top 18.5% in 100M-500M tier

210

Net Charge-Off Rate

risk

Value: 0.11%

Peer Median: 0.35%

#210 of 1070 Top 19.5% in 100M-500M tier

241

Efficiency Ratio

profitability

Value: 69.07%

Peer Median: 78.68%

#241 of 1070 Top 22.4% in 100M-500M tier

Top Weaknesses (5 metrics)

1038

Total Deposits

balance_sheet

Value: $89.64M

Peer Median: $171.29M

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1016

Total Assets

balance_sheet

Value: $107.08M

Peer Median: $196.57M

#1016 of 1070 Bottom 5.1% in 100M-500M tier

833

Average Member Relationship (AMR)

engagement

Value: $18,340

Peer Median: $22,931

#833 of 1070 Bottom 22.2% in 100M-500M tier

828

Total Loans

balance_sheet

Value: $77.41M

Peer Median: $121.41M

#828 of 1070 Bottom 22.7% in 100M-500M tier

813

Fee Income Per Member

profitability

Value: $109.03

Peer Median: $154.95

#813 of 1070 Bottom 24.1% in 100M-500M tier