BlastPoint's Credit Union Scorecard
ROANOKE VALLEY COMMUNITY
Charter #5604 · VA
ROANOKE VALLEY COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 64.7% in tier
- + ROA 0.79% above tier average
- + Net Interest Margin 0.50% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 1.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 51.9% in tier
- - Liquidity Strain: Bottom 66.5% in tier
- - Stagnation Risk: Bottom 88.1% in tier
- - Liquidity Overhang: Bottom 100.0% in tier
- - Member decline: -2.6% YoY
- - Total Deposits: Bottom 1.1% in tier
- - Total Assets: Bottom 2.2% in tier
- - Asset Growth Rate: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,061
-2.6% YoY-0.2% QoQ
|
-6.4K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$103.3M
-2.6% YoY+1.3% QoQ
|
$-128.5M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.2% in tier |
| Loans |
$79.1M
+8.3% YoY+2.5% QoQ
|
$-68.2M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$86.2M
+0.4% YoY+1.3% QoQ
|
$-114.6M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.0% in tier |
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| ROA |
1.5%
+6.0% YoY-0.9% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 9.9% in tier |
| NIM |
4.1%
+18.3% YoY+2.0% QoQ
|
+0.5% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
68.5%
+1.9% YoY+1.2% QoQ
|
-8.5% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.3%
-43.8% YoY-71.8% QoQ
|
-0.6 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
91.8%
+7.9% YoY+1.2% QoQ
|
+19.6% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Top 10.8% in tier |
| AMR |
$18,251
+6.9% YoY+2.0% QoQ
|
$-6K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
0.6%
-9.8% YoY-11.3% QoQ
|
-23.8% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)