BlastPoint's Credit Union Scorecard
UNIVERSITY OF VA COMMUNITY CU
Charter #62504 · VA
UNIVERSITY OF VA COMMUNITY CU has 1 strength but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 53.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 22.8% in tier
- - Credit Quality Pressure: Bottom 42.7% in tier
- - Indirect Auto Dependency: Bottom 57.8% in tier
- - ROA 0.05% below tier average
- - Efficiency ratio 2.46% above tier (higher cost structure)
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 +3.9% year over year ($1.42B in shares and deposits).
- Membership: 86,800 members, +4.0% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.76%.
- Efficiency ratio 75.48% vs a 73.02% peer average.
- Loan-to-share ratio 72.51% 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 |
86,800
+4.0% YoY+1.1% QoQ
|
-10.1K |
96,861
-1.9% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$1.6B
+4.3% YoY-0.5% QoQ
|
$-107.1M |
$1.7B
+0.4% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
54% |
| Loans |
$1.0B
+10.4% YoY+2.8% QoQ
|
$-205.0M |
$1.2B
+0.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$1.4B
+3.9% YoY-1.1% QoQ
|
$-43.9M |
$1.5B
+0.5% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.8%
+57.1% YoY+31.2% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.4%
+5.4% YoY+1.6% QoQ
|
+0.0% |
3.4%
+6.6% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
75.5%
-5.9% YoY-1.5% QoQ
|
+2.5% |
73.0%
-2.7% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
60% |
| Delinquency Rate |
0.6%
+12.4% YoY-16.4% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
72.5%
+6.3% YoY+3.9% QoQ
|
-12.2% |
84.7%
+0.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
17% |
| AMR |
$28,210
+2.4% YoY-0.5% QoQ
|
$-1K |
$29,575
+1.5% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
51% |
| CD Concentration |
18.3%
-11.5% YoY-6.5% QoQ
|
-10.8% | 29.1% | 18.0% | 20.0% | Bottom 10.4% in tier |
| Indirect Auto % |
28.5%
-11.6% YoY-3.1% QoQ
|
+10.4% | 18.1% | 9.3% | 7.7% | 75% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)