BlastPoint's Credit Union Scorecard

UNIVERSITY OF VA COMMUNITY CU

Charter #62504 · VA

Mid-Market 1B-3B

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

View Mid-Market leaderboard →

UNIVERSITY OF VA COMMUNITY CU has 1 strength but faces 5 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

+ Emerging Performer: Top 59.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 10.8% in tier
- Credit Quality Pressure: Bottom 14.5% in tier
- Indirect Auto Dependency: Bottom 52.6% in tier
- ROA 0.14% below tier average
- Efficiency ratio 2.00% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	85,883 +4.5% YoY+1.2% QoQ	-10.2K	96,048 -2.7% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	50%
Assets	$1.6B +4.7% YoY+1.5% QoQ	$-94.7M	$1.7B +0.4% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	55%
Loans	$1.0B +13.8% YoY+1.5% QoQ	$-212.5M	$1.2B +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	39%
Deposits	$1.4B +4.3% YoY+1.7% QoQ	$-30.9M	$1.5B +0.5% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	57%

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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	0.6% +37.3% YoY-5.9% QoQ	-0.1%	0.7% +27.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	42%
NIM	3.3% +5.2% YoY+2.1% QoQ	+0.0%	3.4% +6.2% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	76.6% -6.1% YoY-2.0% QoQ	+2.0%	74.6% -3.0% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	56%
Delinquency Rate	0.7% +58.9% YoY+12.3% QoQ	-0.1	0.8% +6.9% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	55%
Loan To Share	69.8% +9.1% YoY-0.1% QoQ	-13.4%	83.2% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	16%
AMR	$28,362 +3.3% YoY+0.4% QoQ	$-1K	$29,652 +2.3% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	51%
CD Concentration	19.5% -8.6% YoY-6.9% QoQ	-9.3%	28.8%	18.0%	19.8%	Bottom 12.8% in tier
Indirect Auto %	29.4% -10.7% YoY-3.1% QoQ	+11.3%	18.1%	9.4%	7.7%	77%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#56 of 79 • Top 59.3% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.58%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Member Growth (YoY): 4.49%

(Tier: 3.50%, National: 10.19%)

better than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#11 of 183 • Bottom 10.8% in tier

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

Why This Signature

Loan Growth (YoY): 13.77%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.25% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#55 of 225 • Bottom 14.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#119 of 198 • Bottom 52.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.70%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 29.41%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.49%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 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 306 peers in tier

Top Strengths (3 metrics)

Loan Growth Rate

growth

Value: 13.77%

Peer Median: 5.67%

#33 of 306 Top 10.5% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.54%

Peer Median: 27.93%

#42 of 306 Top 13.4% in 1B-3B tier

Member Growth Rate

growth

Value: 4.49%

Peer Median: 2.03%

#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (2 metrics)

257

Loan-to-Share Ratio

balance_sheet

Value: 69.79%

Peer Median: 85.31%

#257 of 306 Bottom 16.3% in 1B-3B tier

238

Indirect Auto Concentration (%)

balance_sheet

Value: 29.41%

Peer Median: 13.86%

#238 of 306 Bottom 22.5% in 1B-3B tier