BlastPoint's Credit Union Scorecard
VIRGINIA UNITED METHODIST
Charter #62536 ยท VA
2596 CUs in <100M nationally
49 in VA
VIRGINIA UNITED METHODIST has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Loan-to-Share Ratio: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Efficiency ratio 12.83% above tier (higher cost structure)
- - Delinquency rate 3.13% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,794
+0.8% YoY+0.5% QoQ
|
+168 |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$16.2M
-4.8% YoY-4.9% QoQ
|
$-13.7M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
43% |
| Loans |
$13.8M
+9.2% YoY-2.4% QoQ
|
$-2.0M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
59% |
| Deposits |
$14.6M
-5.4% YoY-5.4% QoQ
|
$-10.8M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
45% |
| ROA |
0.1%
+34.2% YoY+10.1% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
4.6%
+11.5% YoY+7.6% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
78% |
| Efficiency Ratio |
94.2%
-3.5% YoY+0.7% QoQ
|
+12.8% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
83% |
| Delinquency Rate |
4.6%
+89.4% YoY+19.9% QoQ
|
+3.1 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Top 6.7% in tier |
| Loan To Share |
94.3%
+15.4% YoY+3.2% QoQ
|
+33.0% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 7.7% in tier |
| AMR |
$10,179
+0.3% YoY-4.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
23.3%
+2.7% YoY-6.5% QoQ
|
-1.1% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.2%
-63.1% YoY-23.3% QoQ
|
-13.8% |
14.0%
-5.8% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
195
Loan-to-Share Ratio
balance_sheet
Value:
94.27%
Peer Avg: 61.23%
#195 of 2596
Top 7.5% in <100M tier
311
Loan Growth Rate
growth
Value:
9.18%
Peer Avg: 59.01%
#311 of 2596
Top 11.9% in <100M tier
578
Net Interest Margin (NIM)
profitability
Value:
4.64%
Peer Avg: 3.93%
#578 of 2596
Top 22.2% in <100M tier
Top Weaknesses (7 metrics)
2423
Total Delinquency Rate (60+ days)
risk
Value:
4.63%
Peer Avg: 1.51%
#2423 of 2596
Bottom 6.7% in <100M tier
2280
Net Worth Ratio
risk
Value:
9.39%
Peer Avg: 16.43%
#2280 of 2596
Bottom 12.2% in <100M tier
2221
Asset Growth Rate
growth
Value:
-4.81%
Peer Avg: 1.82%
#2221 of 2596
Bottom 14.5% in <100M tier
2204
Indirect Auto Concentration (%)
balance_sheet
Value:
0.17%
Peer Avg: 2.84%
#2204 of 2596
Bottom 15.1% in <100M tier
2177
Deposit Growth Rate
growth
Value:
-5.40%
Peer Avg: 16.80%
#2177 of 2596
Bottom 16.2% in <100M tier
2150
Efficiency Ratio
profitability
Value:
94.23%
Peer Avg: 81.39%
#2150 of 2596
Bottom 17.2% in <100M tier
2100
Return on Assets (ROA)
profitability
Value:
0.09%
Peer Avg: 0.68%
#2100 of 2596
Bottom 19.1% in <100M tier