BlastPoint's Credit Union Scorecard
ST. ANN'S ARLINGTON
Charter #6184 · VA
ST. ANN'S ARLINGTON has 2 strengths but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 42.87% above tier (higher cost structure)
- - Member decline: -16.9% YoY
- - Loan Growth Rate: Bottom 1.2% in tier
- - Member Growth Rate: Bottom 2.3% in tier
- - Net Interest Margin (NIM): Bottom 2.8% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Asset Growth Rate: Bottom 5.5% in tier
- - Deposit Growth Rate: Bottom 6.3% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
- - Total Loans: Bottom 7.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.9% in tier
- - Total Members: Bottom 9.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
334
-16.9% YoY-4.6% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Bottom 8.9% in tier |
| Assets |
$3.1M
-9.9% YoY-8.1% QoQ
|
$-26.7M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 13.3% in tier |
| Loans |
$454,506
-52.4% YoY-28.8% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.9% in tier |
| Deposits |
$2.7M
-11.0% YoY-9.0% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.5% in tier |
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| ROA |
0.1%
-437.2% YoY-83.4% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
18% |
| NIM |
1.8%
+18.6% YoY-8.1% QoQ
|
-2.1% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
124.3%
+5.2% YoY+10.8% QoQ
|
+42.9% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
Top 3.7% in tier |
| Delinquency Rate |
0.7%
+16443.0% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
50% |
| Loan To Share |
16.7%
-46.5% YoY-21.8% QoQ
|
-44.5% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.2% in tier |
| AMR |
$9,510
-4.8% YoY-8.3% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
26% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)