BlastPoint's Credit Union Scorecard

NEWPORT NEWS SHIPBUILDING EMPLOYEES

Charter #61330 · VA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 8 in VA

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NEWPORT NEWS SHIPBUILDING EMPLOYEES has 7 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.77% above tier average
+ Total Loans: Top 2.3% in tier
+ Total Assets: Top 6.0% in tier
+ Total Deposits: Top 7.9% in tier
+ Total Members: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier

Core Metrics

As of 2025-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	156,416 +1.4% YoY+0.6% QoQ	+57.7K	98,733 -1.9% YoY	216,548 +8.0% YoY	32,521 +5.8% YoY	Top 10.3% in tier
Assets	$2.7B +3.9% YoY-0.2% QoQ	+$946.3M	$1.7B +0.1% YoY	$2.8B +7.7% YoY	$538.5M +7.5% YoY	Top 6.3% in tier
Loans	$2.1B +10.0% YoY+2.9% QoQ	+$923.0M	$1.2B +0.0% YoY	$2.1B +6.4% YoY	$380.3M +7.9% YoY	Top 2.6% in tier
Deposits	$2.3B +5.7% YoY-0.4% QoQ	+$795.9M	$1.5B +1.1% YoY	$2.4B +8.6% YoY	$457.8M +8.9% YoY	Top 8.3% 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	0.6% +42.0% YoY	+0.0%	0.6% +2.1% YoY	0.6% +56.2% YoY	0.6% +423.1% YoY	50%
NIM	4.0% +14.9% YoY+2.6% QoQ	+0.8%	3.2% +9.9% YoY	3.9% +4.0% YoY	3.7% +5.1% YoY	Top 9.3% in tier
Efficiency Ratio	71.9% -3.6% YoY-11.8% QoQ	-3.1%	75.0% -7.0% YoY	80.7% -2.5% YoY	87.6% -34.8% YoY	36%
Delinquency Rate	0.7% -3.9% YoY+1.1% QoQ	-0.1	0.8% +10.5% YoY	1.6% +23.5% YoY	1.2% +6.5% YoY	53%
Loan To Share	95.4% +4.1% YoY+3.3% QoQ	+10.8%	84.6% -1.0% YoY	66.8% -4.3% YoY	67.3% -2.3% YoY	76%
AMR	$28,139 +6.3% YoY+0.6% QoQ	$-990	$29,128 +2.3% YoY	$18,649 +1.9% YoY	$20,202 +3.7% YoY	57%
CD Concentration	25.9% +3.8% YoY+1.2% QoQ	-	-	-	-	50%
Indirect Auto %	26.5% -10.7% YoY-2.8% QoQ	-	-	-	-	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#209 of 244 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.41%

(Tier: -, National: -)

Return on Assets: 0.62%

(Tier: 0.64%, National: 0.55%)

but worse than tier avg

Indirect Auto %: -

(Tier: -, National: -)

244 of 379 Mid-Market CUs have this signature | 925 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#76 of 103 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 6.26%

(Tier: -, National: -)

103 of 379 Mid-Market CUs have this signature | 556 nationally

↑ Growing +26 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk

#69 of 173 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.39%

(Tier: -, National: -)

Loan Growth (YoY): 10.03%

(Tier: -, National: -)

173 of 379 Mid-Market CUs have this signature | 447 nationally

→ Stable (169→173 CUs) +4 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#113 of 203 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.94%

(Tier: -, National: -)

Indirect Auto %: -

(Tier: -, National: -)

Member Growth (YoY): 1.41%

(Tier: -, National: -)

203 of 379 Mid-Market CUs have this signature | 778 nationally

↓ Shrinking -9 CUs YoY | Rank worsening

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 302 peers in tier

Top Strengths (9 metrics)

Total Loans

balance_sheet

Value: $2.15B

Peer Median: -

#8 of 302 Top 2.3% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.66B

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.25B

Peer Median: -

#25 of 302 Top 7.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.99%

Peer Median: -

#28 of 302 Top 8.9% in 1B-3B tier

Total Members

engagement

Value: 156,416

Peer Median: -

#31 of 302 Top 9.9% in 1B-3B tier

Loan Growth Rate

growth

Value: 10.03%

Peer Median: -

#54 of 302 Top 17.5% in 1B-3B tier

Fee Income Per Member

profitability

Value: $257.11

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

AMR Growth Rate

growth

Value: 6.26%

Peer Median: -

#62 of 302 Top 20.2% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.39%

Peer Median: -

#72 of 302 Top 23.5% in 1B-3B tier

Top Weaknesses (2 metrics)

251

Net Charge-Off Rate

risk

Value: 0.97%

Peer Median: -

#251 of 302 Bottom 17.2% in 1B-3B tier

228

Members Per Employee (MPE)

engagement

Value: 303.132

Peer Median: -

#228 of 302 Bottom 24.8% in 1B-3B tier