BlastPoint's Credit Union Scorecard
METROPOLITAN CHURCH
Charter #5970 · VA
METROPOLITAN CHURCH has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.07% above tier average
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Efficiency ratio 8.69% above tier (higher cost structure)
- - Delinquency rate 6.57% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.1% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits +3.3% year over year ($9.3M in shares and deposits).
- Membership: 1,925 members, -0.2% vs a year ago.
- Delinquency rate 8.12%.
- Return on assets 0.49%.
- Efficiency ratio 97.46% vs a 88.77% peer average.
- Loan-to-share ratio 51.77% vs a 58.89% 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 |
1,925
-0.2% YoY+0.4% QoQ
|
-660 |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$12.7M
+2.5% YoY-1.7% QoQ
|
$-17.5M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
37% |
| Loans |
$4.8M
-7.2% YoY-0.9% QoQ
|
$-10.7M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$9.3M
+3.3% YoY-2.5% QoQ
|
$-16.5M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.5%
-46.3% YoY-111.9% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
5.0%
-13.9% YoY+3.3% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 12.4% in tier |
| Efficiency Ratio |
97.5%
+32.1% YoY-4.4% QoQ
|
+8.7% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
8.1%
-1.9% YoY-28.5% QoQ
|
+6.6 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.1% in tier |
| Loan To Share |
51.8%
-10.2% YoY+1.6% QoQ
|
-7.1% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
39% |
| AMR |
$7,297
-0.4% YoY-2.3% QoQ
|
$-8K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
16% |
| CD Concentration |
12.0%
+29.8% YoY+2.9% QoQ
|
-12.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)