BlastPoint's Credit Union Scorecard

UNITED STATES SENATE

Charter #624 · VA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

UNITED STATES SENATE has 6 strengths but faces 14 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

+ Wallet Share Momentum: Top 4.3% in tier
+ Relationship Depth Leader: Top 4.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 1.0% in tier
+ Loan-to-Member Ratio (LMR): Top 3.0% in tier
+ Average Member Relationship (AMR): Top 3.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 0.4% in tier
- Credit Quality Pressure: Bottom 1.2% in tier
- Stagnation Risk: Bottom 7.1% in tier
- Credit Risk Growth: Bottom 13.8% in tier
- Efficiency Drag: Bottom 28.0% in tier
- ROA 0.48% below tier average
- Efficiency ratio 9.27% above tier (higher cost structure)
- Delinquency rate 0.60% above tier average
- Member decline: -15.0% YoY
- Net Worth Ratio: Bottom 1.3% in tier
- Member Growth Rate: Bottom 2.0% in tier
- Share Certificate Concentration (%): Bottom 2.3% in tier
- Total Members: Bottom 8.2% in tier
- Fee Income Per Member: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	52,773 -15.0% YoY+0.5% QoQ	-45.9K	98,678 -1.9% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	Bottom 7.9% in tier
Assets	$1.5B -0.4% YoY-0.8% QoQ	$-218.1M	$1.7B +0.5% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	49%
Loans	$1.1B +0.8% YoY-0.0% QoQ	$-114.2M	$1.2B +0.5% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	50%
Deposits	$1.4B -0.7% YoY-1.2% QoQ	$-73.3M	$1.5B +1.3% YoY	$2.4B +8.1% YoY	$464.6M +9.3% YoY	55%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.2% -142.6% YoY+21.1% QoQ	-0.5%	0.7% +13.4% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Bottom 10.2% in tier
NIM	2.7% -7.4% YoY+2.2% QoQ	-0.5%	3.3% +9.3% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	18%
Efficiency Ratio	83.2% -7.8% YoY-0.9% QoQ	+9.3%	74.0% -10.9% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	Top 14.1% in tier
Delinquency Rate	1.4% +132.1% YoY+14.9% QoQ	+0.6	0.8% +6.1% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	Top 11.8% in tier
Loan To Share	81.0% +1.5% YoY+1.1% QoQ	-4.2%	85.2% -0.8% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	32%
AMR	$47,371 +17.5% YoY-1.2% QoQ	+$18K	$29,172 +2.8% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	Top 4.3% in tier
CD Concentration	49.1% -2.8% YoY+0.2% QoQ	+20.1%	29.0% +0.7% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	Top 2.4% in tier
Indirect Auto %	0.0%	-18.8%	18.8% -3.0% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#6 of 116 • Top 4.3% in tier

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

Why This Signature

AMR Growth (YoY): 17.52%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Relationship Depth Leader

growth

#4 of 67 • Top 4.5% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 17.52%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#2 of 85 • Bottom 0.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.96%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Credit Quality Pressure

risk

#10 of 217 • Bottom 1.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.81% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank improving

Stagnation Risk

risk

#18 of 85 • Bottom 7.1% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.96%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 0.78%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.43%

(Tier: 0.83%, National: 1.23%)

worse than tier avg

85 of 380 Mid-Market CUs have this signature | 648 nationally

↑ Growing +6 CUs YoY | New qualifier

Credit Risk Growth

risk

#78 of 161 • Bottom 13.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.78%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.81% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Efficiency Drag

risk

#93 of 96 • Bottom 28.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.24%

(Tier: 73.43%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.76% points

(Tier: 0.07% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -14.96%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

96 of 380 Mid-Market CUs have this signature | 624 nationally

↓ Shrinking -32 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 304 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 304 Top 0.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 17.52%

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,201

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $47,371

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Top Weaknesses (11 metrics)

301

Net Worth Ratio

risk

Value: 7.82%

Peer Avg: -

#301 of 304 Bottom 1.3% in 1B-3B tier

299

Member Growth Rate

growth

Value: -14.96%

Peer Avg: -

#299 of 304 Bottom 2.0% in 1B-3B tier

298

Share Certificate Concentration (%)

balance_sheet

Value: 49.11%

Peer Avg: -

#298 of 304 Bottom 2.3% in 1B-3B tier

280

Total Members

engagement

Value: 52,773

Peer Avg: -

#280 of 304 Bottom 8.2% in 1B-3B tier

275

Fee Income Per Member

profitability

Value: $126.14

Peer Avg: -

#275 of 304 Bottom 9.9% in 1B-3B tier

273

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Avg: -

#273 of 304 Bottom 10.5% in 1B-3B tier

269

Total Delinquency Rate (60+ days)

risk

Value: 1.43%

Peer Avg: -

#269 of 304 Bottom 11.8% in 1B-3B tier

266

Deposit Growth Rate

growth

Value: -0.73%

Peer Avg: -

#266 of 304 Bottom 12.8% in 1B-3B tier

262

Efficiency Ratio

profitability

Value: 83.24%

Peer Avg: -

#262 of 304 Bottom 14.1% in 1B-3B tier

252

Asset Growth Rate

growth

Value: -0.38%

Peer Avg: -

#252 of 304 Bottom 17.4% in 1B-3B tier