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 0.66% above tier average
- + Loan-to-Share Ratio: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.07% below tier average
- - Efficiency ratio 5.86% above tier (higher cost structure)
- - Delinquency rate 3.09% above tier average
- - Asset Growth Rate: Bottom 4.0% in tier
- - Deposit Growth Rate: Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- - Net Charge-Off Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,785
+0.5% YoY+0.1% QoQ
|
+108 |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
64% |
| Assets |
$16.6M
-10.7% YoY+5.6% QoQ
|
$-13.6M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$13.4M
+1.4% YoY-1.1% QoQ
|
$-1.8M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
59% |
| Deposits |
$15.0M
-11.8% YoY+5.8% QoQ
|
$-10.8M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
45% |
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| ROA |
0.1%
-12.6% YoY-14.2% QoQ
|
-0.1% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
24% |
| NIM |
4.7%
+11.1% YoY-5.3% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
82% |
| Efficiency Ratio |
96.5%
+2.3% YoY+4.5% QoQ
|
+5.9% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
81% |
| Delinquency Rate |
4.6%
+38.9% YoY+10.2% QoQ
|
+3.1 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 6.5% in tier |
| Loan To Share |
89.6%
+15.0% YoY-6.6% QoQ
|
+31.1% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Top 8.5% in tier |
| AMR |
$10,220
-6.5% YoY+2.4% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
30% |
| CD Concentration |
23.4%
+8.2% YoY+3.4% QoQ
|
-0.9% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
0.8%
+191.9% YoY+631.2% QoQ
|
-13.0% | 13.8% | 9.4% | 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)