BlastPoint's Credit Union Scorecard

UNITED STATES SENATE

Charter #624 · VA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

UNITED STATES SENATE has 3 strengths but faces 8 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

+ Average Member Relationship (AMR): Top 4.3% in tier
+ Loan-to-Member Ratio (LMR): Top 4.7% in tier
+ Fee Income Per Member: Top 6.7% in tier

Key Concerns

Areas that may need attention

- Wealth Migration Risk: Bottom 4.3% in tier
- Credit Quality Pressure: Bottom 9.4% in tier
- Shrinking Wallet Share: Bottom 91.1% in tier
- Deposit Outflow: Bottom 96.0% in tier
- ROA 0.63% below tier average
- Delinquency rate 0.77% above tier average
- Net Worth Ratio: Bottom 2.0% in tier
- Share Certificate Concentration (%): Bottom 3.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 8 that size in Virginia.
Shares and deposits -2.4% year over year ($1.36B in shares and deposits).
Membership: 52,712 members, +0.4% vs a year ago.
Delinquency rate 1.63%.
Return on assets 0.18%.
Efficiency ratio 68.30% vs a 73.02% peer average.
Loan-to-share ratio 79.85% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	52,712 +0.4% YoY-0.7% QoQ	-44.1K	96,861 -1.9% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	Bottom 10.0% in tier
Assets	$1.5B -1.8% YoY-4.0% QoQ	$-237.5M	$1.7B +0.4% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	46%
Loans	$1.1B -2.7% YoY-1.9% QoQ	$-145.5M	$1.2B +0.7% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	47%
Deposits	$1.4B -2.4% YoY-4.5% QoQ	$-99.9M	$1.5B +0.5% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	55%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -1.8% YoY-333.5% QoQ	-0.6%	0.8% +27.6% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	Bottom 5.7% in tier
NIM	2.7% +1.9% YoY+3.7% QoQ	-0.7%	3.4% +6.6% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	Bottom 11.7% in tier
Efficiency Ratio	68.3% -18.7% YoY-21.8% QoQ	-4.7%	73.0% -2.7% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	29%
Delinquency Rate	1.6% +31.0% YoY+8.0% QoQ	+0.8	0.9% +7.3% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	Bottom 7.3% in tier
Loan To Share	79.9% -0.3% YoY+2.7% QoQ	-4.9%	84.7% +0.1% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	30%
AMR	$46,519 -3.0% YoY-2.7% QoQ	+$17K	$29,575 +1.5% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	Top 4.7% in tier
CD Concentration	47.0% -4.2% YoY-0.9% QoQ	+17.9%	29.1%	18.0%	20.0%	Top 4.0% in tier
Indirect Auto %	0.0%	-18.1%	18.1%	9.3%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#35 of 215 • Bottom 9.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.39% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank worsening

Deposit Outflow

decline

#6 of 23 • Bottom 96.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.41%

(Tier: 6.36%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 0.43%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

23 of 377 Mid-Market CUs have this signature | 109 nationally

→ Stable (22→23 CUs) +1 CUs YoY | New qualifier

Wealth Migration Risk

decline

#4 of 11 • Bottom 4.3% in tier

High-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.

Why This Signature

Avg Member Relationship: $46.5K

(Tier: $29.9K, National: $20.0K)

but better than tier avg

AMR Growth (YoY): -2.96%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

11 of 377 Mid-Market CUs have this signature | 24 nationally

→ Stable (15→11 CUs) -4 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#34 of 69 • Bottom 91.1% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.96%

(Tier: 3.62%, National: 35.20%)

worse than tier avg

69 of 377 Mid-Market CUs have this signature | 308 nationally

↓ Shrinking -22 CUs YoY | New qualifier

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 300 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 14.26%

#1 of 300 Top 0.1% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $46,519

Peer Median: $28,089

#14 of 300 Top 4.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,654

Peer Median: $12,809

#15 of 300 Top 4.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $351.38

Peer Median: $204.73

#21 of 300 Top 6.7% in 1B-3B tier

Top Weaknesses (11 metrics)

295

Net Worth Ratio

risk

Value: 7.88%

Peer Median: 10.91%

#295 of 300 Bottom 2.0% in 1B-3B tier

290

Share Certificate Concentration (%)

balance_sheet

Value: 46.96%

Peer Median: 28.24%

#290 of 300 Bottom 3.7% in 1B-3B tier

284

Deposit Growth Rate

growth

Value: -2.41%

Peer Median: 4.79%

#284 of 300 Bottom 5.7% in 1B-3B tier

283

Return on Assets (ROA)

profitability

Value: 0.18%

Peer Median: 0.77%

#283 of 300 Bottom 6.0% in 1B-3B tier

281

Asset Growth Rate

growth

Value: -1.81%

Peer Median: 5.21%

#281 of 300 Bottom 6.7% in 1B-3B tier

279

Total Delinquency Rate (60+ days)

risk

Value: 1.63%

Peer Median: 0.70%

#279 of 300 Bottom 7.3% in 1B-3B tier

274

Loan Growth Rate

growth

Value: -2.72%

Peer Median: 5.71%

#274 of 300 Bottom 9.0% in 1B-3B tier

273

AMR Growth Rate

growth

Value: -2.96%

Peer Median: 3.19%

#273 of 300 Bottom 9.3% in 1B-3B tier

270

Total Members

engagement

Value: 52,712

Peer Median: 86,516

#270 of 300 Bottom 10.3% in 1B-3B tier

265

Net Interest Margin (NIM)

profitability

Value: 2.74%

Peer Median: 3.46%

#265 of 300 Bottom 12.0% in 1B-3B tier