BlastPoint's Credit Union Scorecard
ST. ANN'S ARLINGTON
Charter #6184 · VA
2556 CUs in <100M nationally
48 in VA
ST. ANN'S ARLINGTON has 3 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 40.37% above tier (higher cost structure)
- - Member decline: -12.8% YoY
- - Loan Growth Rate: Bottom 1.1% in tier
- - Loan-to-Share Ratio: Bottom 2.7% in tier
- - Member Growth Rate: Bottom 3.7% in tier
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Fee Income Per Member: Bottom 4.5% in tier
- - Total Loans: Bottom 6.2% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.7% in tier
- - Asset Growth Rate: Bottom 7.5% in tier
- - Total Members: Bottom 8.6% in tier
- - Deposit Growth Rate: Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
327
-12.8% YoY-2.1% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 8.5% in tier |
| Assets |
$3.1M
-7.9% YoY+1.1% QoQ
|
$-27.0M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.5% in tier |
| Loans |
$393,186
-54.7% YoY-13.5% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.2% in tier |
| Deposits |
$2.8M
-8.8% YoY+1.4% QoQ
|
$-22.9M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.5% in tier |
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| ROA |
0.0%
-85.7% YoY-96.5% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
2.0%
+19.2% YoY+9.3% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
122.9%
+5.2% YoY-1.1% QoQ
|
+40.4% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
14.2%
-50.3% YoY-14.7% QoQ
|
-46.4% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.6% in tier |
| AMR |
$9,641
-7.1% YoY+1.4% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
Top Weaknesses (17 metrics)
2530
Loan Growth Rate
growth
Value:
-54.68%
Peer Median: -
#2530 of 2556
Bottom 1.1% in <100M tier
2488
Loan-to-Share Ratio
balance_sheet
Value:
14.25%
Peer Median: -
#2488 of 2556
Bottom 2.7% in <100M tier
2465
Efficiency Ratio
profitability
Value:
122.93%
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2463
Member Growth Rate
growth
Value:
-12.80%
Peer Median: -
#2463 of 2556
Bottom 3.7% in <100M tier
2461
Net Interest Margin (NIM)
profitability
Value:
1.98%
Peer Median: -
#2461 of 2556
Bottom 3.8% in <100M tier
2442
Fee Income Per Member
profitability
Value:
$0.18
Peer Median: -
#2442 of 2556
Bottom 4.5% in <100M tier
2398
Total Loans
balance_sheet
Value:
$393,186
Peer Median: -
#2398 of 2556
Bottom 6.2% in <100M tier
2387
Members Per Employee (MPE)
engagement
Value:
109.000
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2387
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,202
Peer Median: -
#2387 of 2556
Bottom 6.7% in <100M tier
2366
Asset Growth Rate
growth
Value:
-7.94%
Peer Median: -
#2366 of 2556
Bottom 7.5% in <100M tier