BlastPoint's Credit Union Scorecard
ROANOKE VALLEY COMMUNITY
Charter #5604 · VA
ROANOKE VALLEY COMMUNITY has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.61% above tier average
- + Net Interest Margin 0.61% above tier average
- + Share Certificate Concentration (%): Top 1.4% in tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 50.0% in tier
- - Total Deposits: Bottom 2.8% in tier
- - Total Assets: Bottom 5.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
- Shares and deposits +3.9% year over year ($89.5M in shares and deposits).
- Membership: 9,232 members, +0.5% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 1.47%.
- Efficiency ratio 70.59% vs a 76.73% peer average.
- Loan-to-share ratio 86.26% vs a 71.54% 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 |
9,232
+0.5% YoY+1.4% QoQ
|
-5.9K |
15,168
-2.6% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
27% |
| Assets |
$107.4M
+4.9% YoY+0.3% QoQ
|
$-124.6M |
$232.0M
+0.7% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 5.0% in tier |
| Loans |
$77.2M
+2.1% YoY-0.2% QoQ
|
$-69.0M |
$146.3M
+0.2% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$89.5M
+3.9% YoY-0.1% QoQ
|
$-111.2M |
$200.7M
+0.2% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.7% in tier |
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| ROA |
1.5%
+5.2% YoY-5.2% QoQ
|
+0.6% |
0.9%
+12.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Top 13.4% in tier |
| NIM |
4.3%
+9.8% YoY+0.7% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
70.6%
+1.6% YoY+2.2% QoQ
|
-6.1% |
76.7%
-0.8% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
28% |
| Delinquency Rate |
0.3%
-49.8% YoY+34.2% QoQ
|
-0.5 |
0.9%
+6.6% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
86.3%
-1.7% YoY-0.1% QoQ
|
+14.7% |
71.5%
-0.3% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$18,067
+2.6% YoY-1.5% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
0.6%
-15.4% YoY+0.2% QoQ
|
-24.0% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
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)