BlastPoint's Credit Union Scorecard

ROANOKE VALLEY COMMUNITY

Charter #5604 · VA

1077 CUs in 100M-500M nationally 25 in VA

ROANOKE VALLEY COMMUNITY has 7 strengths but faces 11 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

+ Wallet Share Momentum: Top 25.6% in tier
+ Profitability Leader: Top 39.5% in tier
+ ROA 0.77% above tier average
+ Net Interest Margin 0.45% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 1.5% in tier
+ AMR Growth Rate: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.4% in tier
- Credit Quality Pressure: Bottom 3.6% in tier
- Stagnation Risk: Bottom 4.9% in tier
- Membership Headwinds: Bottom 11.2% in tier
- Liquidity Strain: Bottom 22.3% in tier
- Liquidity Overhang: Bottom 98.5% in tier
- Delinquency rate 0.10% above tier average
- Member decline: -3.7% YoY
- Total Deposits: Bottom 0.9% in tier
- Total Assets: Bottom 1.2% in tier
- Asset Growth Rate: Bottom 3.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	9,077 -3.7% YoY-1.2% QoQ	-6.6K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	23%
Assets	$101.9M -5.7% YoY-0.5% QoQ	$-129.4M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	Bottom 1.1% in tier
Loans	$77.2M +11.2% YoY+2.1% QoQ	$-70.6M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	20%
Deposits	$85.1M +1.7% YoY-1.2% QoQ	$-115.1M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	Bottom 0.8% 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% +5.7% YoY+11.6% QoQ	+0.8%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Top 10.9% in tier
NIM	4.0% +15.1% YoY+3.1% QoQ	+0.4%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	75%
Efficiency Ratio	67.7% +1.4% YoY-2.6% QoQ	-9.6%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	20%
Delinquency Rate	1.0% +233.8% YoY+43.3% QoQ	+0.1	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	68%
Loan To Share	90.7% +9.3% YoY+3.4% QoQ	+18.0%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	Top 14.5% in tier
AMR	$17,888 +10.1% YoY+1.5% QoQ	$-6K	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	22%
CD Concentration	0.7% -0.6% YoY-1.9% QoQ	-23.7%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#124 of 481 • Top 25.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 10.12%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Profitability Leader

growth

#135 of 340 • Top 39.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.56%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (6)

Credit Risk Growth

risk

#22 of 446 • Bottom 1.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 11.20%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.67% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#89 of 736 • Bottom 3.6% in tier

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

Why This Signature

Delinquency Change (YoY): 0.67% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk

#81 of 550 • Bottom 4.9% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 11.20%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.96%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Membership Headwinds

decline

#186 of 550 • Bottom 11.2% in tier

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

Why This Signature

Member Growth (YoY): -3.73%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Liquidity Strain

risk

#174 of 258 • Bottom 22.3% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.69%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 11.20%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Liquidity Overhang

risk

#132 of 134 • Bottom 98.5% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.04%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 90.69%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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 1077 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.67%

Peer Avg: -

#17 of 1077 Top 1.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.12%

Peer Avg: -

#99 of 1077 Top 9.1% in 100M-500M tier

117

Return on Assets (ROA)

profitability

Value: 1.56%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

117

Net Worth Ratio

risk

Value: 16.04%

Peer Avg: -

#117 of 1077 Top 10.8% in 100M-500M tier

128

Loan Growth Rate

growth

Value: 11.20%

Peer Avg: -

#128 of 1077 Top 11.8% in 100M-500M tier

156

Loan-to-Share Ratio

balance_sheet

Value: 90.69%

Peer Avg: -

#156 of 1077 Top 14.4% in 100M-500M tier

174

First Mortgage Concentration (%)

balance_sheet

Value: 12.76%

Peer Avg: -

#174 of 1077 Top 16.1% in 100M-500M tier

222

Efficiency Ratio

profitability

Value: 67.66%

Peer Avg: -

#222 of 1077 Top 20.5% in 100M-500M tier

253

Net Charge-Off Rate

risk

Value: 0.16%

Peer Avg: -

#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1068

Total Deposits

balance_sheet

Value: $85.15M

Peer Avg: -

#1068 of 1077 Bottom 0.9% in 100M-500M tier

1065

Total Assets

balance_sheet

Value: $101.95M

Peer Avg: -

#1065 of 1077 Bottom 1.2% in 100M-500M tier

1046

Asset Growth Rate

growth

Value: -5.70%

Peer Avg: -

#1046 of 1077 Bottom 3.0% in 100M-500M tier

917

Member Growth Rate

growth

Value: -3.73%

Peer Avg: -

#917 of 1077 Bottom 14.9% in 100M-500M tier

860

Total Loans

balance_sheet

Value: $77.22M

Peer Avg: -

#860 of 1077 Bottom 20.2% in 100M-500M tier

843

Average Member Relationship (AMR)

engagement

Value: $17,888

Peer Avg: -

#843 of 1077 Bottom 21.8% in 100M-500M tier

827

Total Members

engagement

Value: 9,077

Peer Avg: -

#827 of 1077 Bottom 23.3% in 100M-500M tier