BlastPoint's Credit Union Scorecard

UNITED STATES SENATE

Charter #624 · VA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

UNITED STATES SENATE has 6 strengths but faces 15 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

+ Relationship Depth Leader: Top 6.2% in tier
+ Wallet Share Momentum: Top 8.2% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 3.0% in tier
+ Loan-to-Member Ratio (LMR): Top 3.0% in tier
+ Average Member Relationship (AMR): Top 3.3% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 1.2% in tier
- Stagnation Risk: Bottom 2.4% in tier
- Credit Quality Pressure: Bottom 4.3% in tier
- Institutional Decline: Bottom 34.5% in tier
- Efficiency Drag: Bottom 85.4% in tier
- ROA 0.59% below tier average
- Efficiency ratio 12.25% above tier (higher cost structure)
- Delinquency rate 0.73% above tier average
- Member decline: -14.5% YoY
- Net Worth Ratio: Bottom 1.0% in tier
- Member Growth Rate: Bottom 2.0% in tier
- Share Certificate Concentration (%): Bottom 2.6% in tier
- Fee Income Per Member: Bottom 7.0% in tier
- Total Members: Bottom 8.9% in tier
- Total Delinquency Rate (60+ days): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	52,801 -14.5% YoY+0.1% QoQ	-44.6K	97,431 -2.4% YoY	222,299 +7.3% YoY	33,374 +5.7% YoY	Bottom 8.6% in tier
Assets	$1.5B -0.1% YoY+1.6% QoQ	$-198.5M	$1.7B +0.9% YoY	$2.9B +9.9% YoY	$561.6M +9.7% YoY	51%
Loans	$1.1B -1.5% YoY+0.7% QoQ	$-107.7M	$1.2B +0.5% YoY	$2.1B +6.6% YoY	$397.0M +8.8% YoY	51%
Deposits	$1.4B -0.5% YoY+1.6% QoQ	$-56.8M	$1.5B +0.9% YoY	$2.5B +10.1% YoY	$477.3M +9.7% YoY	55%

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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	0.1% -122.9% YoY-57.5% QoQ	-0.6%	0.7% +20.9% YoY	0.6% +3.1% YoY	0.7% +15.9% YoY	Bottom 6.3% in tier
NIM	2.7% -6.7% YoY-0.0% QoQ	-0.5%	3.3% +9.2% YoY	3.9% +2.0% YoY	3.8% +5.1% YoY	19%
Efficiency Ratio	86.3% -3.0% YoY+3.7% QoQ	+12.2%	74.1% -9.5% YoY	80.2% -0.6% YoY	79.7% -3.3% YoY	Top 7.0% in tier
Delinquency Rate	1.6% +141.9% YoY+13.7% QoQ	+0.7	0.9% +6.2% YoY	1.4% -11.9% YoY	1.3% -2.1% YoY	Top 9.9% in tier
Loan To Share	80.3% -0.9% YoY-0.8% QoQ	-4.5%	84.8% -0.8% YoY	65.1% -5.8% YoY	67.4% -1.7% YoY	31%
AMR	$47,901 +15.8% YoY+1.1% QoQ	+$18K	$29,428 +2.4% YoY	$18,904 +2.4% YoY	$19,687 +2.0% YoY	Top 3.6% in tier
CD Concentration	48.7% -2.0% YoY-0.9% QoQ	+19.6%	29.0%	18.3%	19.8%	Top 2.7% in tier
Indirect Auto %	0.0%	-18.3%	18.3%	9.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#5 of 65 • Top 6.2% 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): 15.84%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.9K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | Rank improving

Wallet Share Momentum

growth

#11 of 123 • Top 8.2% in tier

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

Why This Signature

AMR Growth (YoY): 15.84%

(Tier: 3.31%, National: 4.00%)

better than tier avg

123 of 378 Mid-Market CUs have this signature | 662 nationally

↑ Growing +38 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#2 of 85 • Bottom 1.2% in tier

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

Why This Signature

Member Growth (YoY): -14.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Stagnation Risk

risk

#3 of 85 • Bottom 2.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.45%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.62%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Credit Quality Pressure

risk

#10 of 211 • Bottom 4.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.95% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | New qualifier

Institutional Decline

decline

#11 of 30 • Bottom 34.5% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $1.52B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -14.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -1.45%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Efficiency Drag

risk

#77 of 90 • Bottom 85.4% in tier

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

Why This Signature

Efficiency Ratio: 86.31%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.52% points

(Tier: 0.12% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -14.49%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 302 Top 0.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 15.84%

Peer Median: -

#10 of 302 Top 3.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,338

Peer Median: -

#10 of 302 Top 3.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $47,901

Peer Median: -

#11 of 302 Top 3.3% in 1B-3B tier

Top Weaknesses (12 metrics)

300

Net Worth Ratio

risk

Value: 7.59%

Peer Median: -

#300 of 302 Bottom 1.0% in 1B-3B tier

297

Member Growth Rate

growth

Value: -14.49%

Peer Median: -

#297 of 302 Bottom 2.0% in 1B-3B tier

295

Share Certificate Concentration (%)

balance_sheet

Value: 48.69%

Peer Median: -

#295 of 302 Bottom 2.6% in 1B-3B tier

283

Return on Assets (ROA)

profitability

Value: 0.10%

Peer Median: -

#283 of 302 Bottom 6.6% in 1B-3B tier

282

Efficiency Ratio

profitability

Value: 86.31%

Peer Median: -

#282 of 302 Bottom 7.0% in 1B-3B tier

282

Fee Income Per Member

profitability

Value: $116.23

Peer Median: -

#282 of 302 Bottom 7.0% in 1B-3B tier

276

Total Members

engagement

Value: 52,801

Peer Median: -

#276 of 302 Bottom 8.9% in 1B-3B tier

273

Total Delinquency Rate (60+ days)

risk

Value: 1.62%

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

264

Deposit Growth Rate

growth

Value: -0.52%

Peer Median: -

#264 of 302 Bottom 12.9% in 1B-3B tier

260

Asset Growth Rate

growth

Value: -0.09%

Peer Median: -

#260 of 302 Bottom 14.2% in 1B-3B tier