BlastPoint's Credit Union Scorecard

UNIVERSITY OF VA COMMUNITY CU

Charter #62504 · VA

Mid-Market 1B-3B
302 CUs in 1B-3B nationally 8 in VA
View Mid-Market leaderboard →

UNIVERSITY OF VA COMMUNITY CU has 2 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 69.5% in tier
  • + Emerging Performer: Top 75.0% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 40.5% in tier
  • - Cost Spiral: Bottom 100.0% in tier
  • - ROA 0.07% below tier average
  • - Efficiency ratio 4.12% above tier (higher cost structure)

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 84,827
+4.1% YoY+0.5% QoQ
 -12.6K 97,431
-2.4% YoY
 222,299
+7.3% YoY
 33,374
+5.7% YoY
 48%
Assets $1.6B
+6.4% YoY+2.1% QoQ
 $-122.1M $1.7B
+0.9% YoY
 $2.9B
+9.9% YoY
 $561.6M
+9.7% YoY
 53%
Loans $986.0M
+12.1% YoY+1.9% QoQ
 $-248.4M $1.2B
+0.5% YoY
 $2.1B
+6.6% YoY
 $397.0M
+8.8% YoY
 35%
Deposits $1.4B
+6.0% YoY+1.9% QoQ
 $-48.4M $1.5B
+0.9% YoY
 $2.5B
+10.1% YoY
 $477.3M
+9.7% YoY
 56%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA 0.6%
-38.1% YoY+7.5% QoQ
 -0.1% 0.7%
+20.9% YoY
 0.6%
+3.1% YoY
 0.7%
+15.9% YoY
 46%
NIM 3.3%
+7.1% YoY-0.3% QoQ
 -0.0% 3.3%
+9.2% YoY
 3.9%
+2.0% YoY
 3.8%
+5.1% YoY
 49%
Efficiency Ratio 78.2%
+8.9% YoY-1.1% QoQ
 +4.1% 74.1%
-9.5% YoY
 80.2%
-0.6% YoY
 79.7%
-3.3% YoY
 66%
Delinquency Rate 0.6%
-19.3% YoY+17.3% QoQ
 -0.3 0.9%
+6.2% YoY
 1.4%
-11.9% YoY
 1.3%
-2.1% YoY
 35%
Loan To Share 69.9%
+5.8% YoY-0.0% QoQ
 -14.9% 84.8%
-0.8% YoY
 65.1%
-5.8% YoY
 67.4%
-1.7% YoY
 15%
AMR $28,257
+4.2% YoY+1.4% QoQ
 $-1K $29,428
+2.4% YoY
 $18,904
+2.4% YoY
 $19,687
+2.0% YoY
 53%
CD Concentration 21.0%
-4.0% YoY-1.5% QoQ
 -8.1% 29.0% 18.3% 19.8% 15%
Indirect Auto % 30.3%
-9.5% YoY-2.1% QoQ
 +12.0% 18.3% 9.6% 7.8% 77%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#172 of 247 • Top 69.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.06%
(Tier: 3.43%, National: 4.32%)
better than tier avg
Return on Assets: 0.62%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 30.34%
(Tier: 18.31%, National: 7.78%)
but worse than tier avg
247 of 378 Mid-Market CUs have this signature | 913 nationally
→ No prior data (247 CUs now) | New qualifier

Emerging Performer

growth
#58 of 77 • Top 75.0% 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: 0.62%
(Tier: 0.69%, National: 0.67%)
but worse than tier avg
Member Growth (YoY): 4.06%
(Tier: 3.43%, National: 4.32%)
better than tier avg
77 of 378 Mid-Market CUs have this signature | 282 nationally
→ No prior data (77 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk
#80 of 196 • Bottom 40.5% in tier

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

Why This Signature
Asset Growth (YoY): 6.40%
(Tier: 6.83%, National: 3.54%)
worse than tier avg
Indirect Auto %: 30.34%
(Tier: 18.31%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 4.06%
(Tier: 3.43%, National: 4.32%)
but better than tier avg
196 of 378 Mid-Market CUs have this signature | 745 nationally
↓ Shrinking -11 CUs YoY | Rank worsening

Cost Spiral

risk
#9 of 9 • Bottom 100.0% 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: 6.40% points
(Tier: -6.71% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 55.96%
(Tier: 51.94%, National: 63.66%)
worse than tier avg
9 of 378 Mid-Market CUs have this signature | 58 nationally
↓ Shrinking -6 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 302 peers in tier

Top Strengths (2 metrics)

38
Loan Growth Rate
growth
Value: 12.11%
Peer Median: -
#38 of 302 Top 12.3% in 1B-3B tier
49
Share Certificate Concentration (%)
balance_sheet
Value: 20.98%
Peer Median: -
#49 of 302 Top 15.9% in 1B-3B tier

Top Weaknesses (2 metrics)

256
Loan-to-Share Ratio
balance_sheet
Value: 69.88%
Peer Median: -
#256 of 302 Bottom 15.6% in 1B-3B tier
235
Indirect Auto Concentration (%)
balance_sheet
Value: 30.34%
Peer Median: -
#235 of 302 Bottom 22.5% in 1B-3B tier
Link copied to clipboard!