BlastPoint's Credit Union Scorecard
UNITED STATES SENATE
Charter #624 · VA
UNITED STATES SENATE has 3 strengths but faces 8 concerns
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How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 62.4% in tier
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.2% in tier
- - Efficiency Drag: Bottom 7.6% in tier
- - Shrinking Wallet Share: Bottom 84.7% in tier
- - ROA 0.80% below tier average
- - Efficiency ratio 12.69% above tier (higher cost structure)
- - Delinquency rate 0.75% above tier average
- - Net Worth Ratio: Bottom 0.7% in tier
- - Share Certificate Concentration (%): Bottom 3.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
53,088
+1.1% YoY+0.5% QoQ
|
-43.0K |
96,048
-2.7% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 9.5% in tier |
| Assets |
$1.5B
+0.5% YoY+1.6% QoQ
|
$-171.0M |
$1.7B
+0.4% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
52% |
| Loans |
$1.1B
-1.0% YoY-1.5% QoQ
|
$-103.5M |
$1.2B
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$1.4B
+0.2% YoY+1.8% QoQ
|
$-37.7M |
$1.5B
+0.5% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
57% |
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| ROA |
-0.1%
-128.0% YoY-181.8% QoQ
|
-0.8% |
0.7%
+27.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.9% in tier |
| NIM |
2.6%
+0.5% YoY-3.8% QoQ
|
-0.7% |
3.4%
+6.2% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
87.3%
+3.5% YoY+1.2% QoQ
|
+12.7% |
74.6%
-3.0% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate |
1.5%
+73.2% YoY-7.1% QoQ
|
+0.8 |
0.8%
+6.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.9% in tier |
| Loan To Share |
77.8%
-1.3% YoY-3.2% QoQ
|
-5.4% |
83.2%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$47,809
-1.4% YoY-0.2% QoQ
|
+$18K |
$29,652
+2.3% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Top 4.2% in tier |
| CD Concentration |
47.4%
-3.0% YoY-2.7% QoQ
|
+18.5% | 28.8% | 18.0% | 19.8% | Top 3.4% in tier |
| Indirect Auto % | 0.0% | -18.1% | 18.1% | 9.4% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)