BlastPoint's Credit Union Scorecard
802
Charter #62983 · VT
802 has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does VT stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 2.9% in tier
- + Organic Growth Engine: Top 2.9% in tier
- + Wallet Share Momentum: Top 23.9% in tier
- + ROA 0.33% above tier average
- + Net Interest Margin 1.35% above tier average
- + Strong member growth: 12.0% YoY
- + Asset Growth Rate: Top 1.8% in tier
- + Deposit Growth Rate: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.0% in tier
- - Credit Quality Pressure: Bottom 8.5% in tier
- - Margin Compression: Bottom 26.5% in tier
- - Delinquency rate 0.69% above tier average
- - Total Assets: Bottom 4.8% in tier
- - Total Deposits: Bottom 7.3% in tier
- - First Mortgage Concentration (%): Bottom 8.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.7% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Vermont.
- Shares and deposits +18.4% year over year ($440M in shares and deposits).
- Membership: 41,760 members, +12.0% vs a year ago.
- Delinquency rate 1.50%.
- Return on assets 1.15%.
- Efficiency ratio 74.58% vs a 76.56% peer average.
- Loan-to-share ratio 88.43% vs a 79.33% 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 (VT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,760
+12.0% YoY-0.9% QoQ
|
+3.9K |
37,897
-5.0% YoY
|
37,967
+37.2% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$507.7M
+18.6% YoY+1.5% QoQ
|
$-114.7M |
$622.4M
+0.6% YoY
|
$616.1M
+40.0% YoY
|
$593.1M
+10.2% YoY
|
Bottom 4.2% in tier |
| Loans |
$389.2M
+20.9% YoY+2.8% QoQ
|
$-39.3M |
$428.5M
-0.7% YoY
|
$487.9M
+41.8% YoY
|
$418.6M
+10.1% YoY
|
30% |
| Deposits |
$440.1M
+18.4% YoY+1.3% QoQ
|
$-99.6M |
$539.8M
+0.9% YoY
|
$523.2M
+40.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.7% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
-25.1% YoY-3.6% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
0.7%
+9.2% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
4.9%
-3.1% YoY-1.0% QoQ
|
+1.4% |
3.5%
+5.0% YoY
|
4.2%
+1.7% YoY
|
3.8%
+2.3% YoY
|
Top 3.0% in tier |
| Efficiency Ratio |
74.6%
+6.3% YoY-0.0% QoQ
|
-2.0% |
76.6%
-3.6% YoY
|
84.8%
+1.1% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
1.5%
+64.6% YoY+19.2% QoQ
|
+0.7 |
0.8%
+3.1% YoY
|
1.6%
+27.6% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.7% in tier |
| Loan To Share |
88.4%
+2.1% YoY+1.5% QoQ
|
+9.1% |
79.3%
-1.4% YoY
|
83.0%
-0.1% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$19,859
+6.8% YoY+2.9% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$19,847
+0.2% YoY
|
$20,028
-0.9% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
13.8%
+5.4% YoY-2.0% QoQ
|
-10.8% | 24.6% | 23.4% | 20.0% | Bottom 15.0% in tier |
| Indirect Auto % |
8.1%
-35.8% YoY-12.0% QoQ
|
-5.5% | 13.6% | 5.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)