UNIVERSITY OF VA COMMUNITY CU

Charter #62504 | VA

1B-3B (304 CUs) Mid-Market (380 CUs)
8 1B-3B in VA

UNIVERSITY OF VA COMMUNITY CU has 5 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 5.5% in tier
  • + Wallet Share Momentum: Top 13.4% in tier
  • + Emerging Performer: Top 19.5% in tier
  • + Organic Growth Engine: Top 31.2% 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
 45th in tier
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
 52nd in tier
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
 35th in tier
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
 55th in tier
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
 40th in tier
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
 51st in tier
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
 69th in tier
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
 33rd in tier
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
 Bottom 15.1% in tier
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
 53rd in tier
CD Concentration 21.3%
-7.8% YoY+3.1% QoQ
 -7.7% 29.0%
+0.8% YoY
 18.8%
+3.1% YoY
 19.6%
+6.2% YoY
 Bottom 16.6% in tier
Indirect Auto % 31.0%
-11.6% YoY-3.8% QoQ
 +12.2% 18.8%
-2.8% YoY
 9.7%
-0.5% YoY
 7.9%
-2.9% YoY
 Top 22.4% in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#41 of 264 • Top 5.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.8K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Wallet Share Momentum

growth
#98 of 264 • Top 13.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.67%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Emerging Performer

growth
#104 of 184 • Top 19.5% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

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: 18.80%, 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

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: 18.80%, 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 now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

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): -
(Tier: -, National: -)
Total Assets: $1.57B
(Tier: $1.72B, National: $547.69M)
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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

36
Loan Growth Rate
growth
Value: 12.14%
Peer Avg: 5.27%
#36 of 304 Top 11.5% in 1B-3B tier
55
Share Certificate Concentration (%)
balance_sheet
Value: 21.29%
Peer Avg: 28.53%
#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: 85.19%
#258 of 304 Bottom 15.5% in 1B-3B tier
239
Indirect Auto Concentration (%)
balance_sheet
Value: 31.01%
Peer Avg: 18.32%
#239 of 304 Bottom 21.7% in 1B-3B tier