BlastPoint's Credit Union Scorecard
VIRGINIA UNITED METHODIST
Charter #62536 · VA
VIRGINIA UNITED METHODIST has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Loan-to-Share Ratio: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 6.25% above tier (higher cost structure)
- - Delinquency rate 4.41% above tier average
- - Asset Growth Rate: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 4.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.0% in tier
- - AMR Growth Rate: Bottom 6.7% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -13.1% year over year ($13.5M in shares and deposits).
- Membership: 2,796 members, +0.5% vs a year ago.
- Delinquency rate 5.95%.
- Return on assets 0.10%.
- Efficiency ratio 95.02% vs a 88.77% peer average.
- Loan-to-share ratio 97.61% vs a 58.89% 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 |
2,796
+0.5% YoY+0.4% QoQ
|
+210 |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$15.0M
-11.7% YoY-9.5% QoQ
|
$-15.3M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$13.1M
-7.1% YoY-2.3% QoQ
|
$-2.3M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$13.5M
-13.1% YoY-10.4% QoQ
|
$-12.3M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
43% |
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| ROA |
0.1%
+17.1% YoY+24.0% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.0% in tier |
| NIM |
5.0%
+16.1% YoY+7.4% QoQ
|
+1.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
95.0%
+1.6% YoY-1.5% QoQ
|
+6.3% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
6.0%
+54.1% YoY+29.6% QoQ
|
+4.4 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 5.0% in tier |
| Loan To Share |
97.6%
+6.8% YoY+9.0% QoQ
|
+38.7% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Top 4.1% in tier |
| AMR |
$9,509
-10.7% YoY-7.0% QoQ
|
$-5K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
26% |
| CD Concentration |
19.7%
-21.2% YoY-15.8% QoQ
|
-4.9% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
0.1%
-72.0% YoY-92.8% QoQ
|
-13.6% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)