BlastPoint's Credit Union Scorecard

UNIVERSITY OF VA COMMUNITY CU

Charter #62504 · VA

Mid-Market 1B-3B

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

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UNIVERSITY OF VA COMMUNITY CU has 4 strengths but faces 4 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

+ Organic Growth Engine: Top 31.2% in tier
+ Wallet Share Momentum: Top 84.3% in tier
+ Emerging Performer: Top 97.2% in tier
+ Net Interest Margin 0.02% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 12.2% in tier
- Cost Spiral: Bottom 12.5% in tier
- ROA 0.13% below tier average
- Efficiency ratio 5.10% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	84,368 +1.7% YoY+1.1% QoQ	-14.3K	98,678 -1.9% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	45%
Assets	$1.6B +4.7% YoY+1.2% QoQ	$-151.2M	$1.7B +0.5% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	52%
Loans	$967.2M +12.1% YoY+3.8% QoQ	$-265.9M	$1.2B +0.5% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	35%
Deposits	$1.4B +4.4% YoY+1.3% QoQ	$-70.4M	$1.5B +1.3% YoY	$2.4B +8.1% YoY	$464.6M +9.3% 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	0.6% -52.4% YoY+18.4% QoQ	-0.1%	0.7% +13.4% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	40%
NIM	3.3% +8.1% YoY+1.9% QoQ	+0.0%	3.3% +9.3% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	51%
Efficiency Ratio	79.1% +15.1% YoY-1.4% QoQ	+5.1%	74.0% -10.9% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	69%
Delinquency Rate	0.5% -45.2% YoY+2.0% QoQ	-0.3	0.8% +6.1% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	33%
Loan To Share	69.9% +7.4% YoY+2.4% QoQ	-15.3%	85.2% -0.8% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	15%
AMR	$27,868 +5.7% YoY+1.2% QoQ	$-1K	$29,172 +2.8% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	53%
CD Concentration	21.3% -7.8% YoY+3.1% QoQ	-7.7%	29.0% +0.7% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	17%
Indirect Auto %	31.0% -11.6% YoY-3.8% QoQ	+12.2%	18.8% -3.0% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	78%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#227 of 246 • Top 31.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.70%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.58%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 31.01%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#98 of 116 • Top 84.3% in tier

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

Why This Signature

AMR Growth (YoY): 5.67%

(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

Emerging Performer

growth

#70 of 72 • Top 97.2% 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: 0.71%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.70%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

72 of 380 Mid-Market CUs have this signature | 288 nationally

↑ Growing +13 CUs YoY | Rank worsening

Concerns (2)

Indirect Auto Dependency

risk

#76 of 202 • Bottom 12.2% in tier

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

Why This Signature

Asset Growth (YoY): 4.73%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 31.01%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 1.70%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank worsening

Cost Spiral

risk

#8 of 14 • Bottom 12.5% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 10.35% points

(Tier: -7.46% points, National: -1.81% points)

worse than tier avg

Efficiency Ratio (Prior Year): 54.07%

(Tier: 51.53%, National: 63.68%)

worse than tier avg

14 of 380 Mid-Market CUs have this signature | 80 nationally

→ Stable (16→14 CUs) -2 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 304 peers in tier

Top Strengths (2 metrics)

Loan Growth Rate

growth

Value: 12.14%

Peer Avg: -

#36 of 304 Top 11.5% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.29%

Peer Avg: -

#55 of 304 Top 17.8% in 1B-3B tier

Top Weaknesses (2 metrics)

258

Loan-to-Share Ratio

balance_sheet

Value: 69.88%

Peer Avg: -

#258 of 304 Bottom 15.5% in 1B-3B tier

239

Indirect Auto Concentration (%)

balance_sheet

Value: 31.01%

Peer Avg: -

#239 of 304 Bottom 21.7% in 1B-3B tier