BlastPoint's Credit Union Scorecard
VOLT
Charter #63389 · MO
VOLT has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Total Loans: Top 3.1% in tier
- + Total Members: Top 5.7% in tier
- + Total Deposits: Top 6.4% in tier
- + Total Assets: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 14.31% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,969
+1.7% YoY+0.5% QoQ
|
+4.4K |
2,615
-1.9% YoY
|
15,911
+2.9% YoY
|
33,374
+5.7% YoY
|
Top 5.8% in tier |
| Assets |
$83.4M
-3.2% YoY-2.1% QoQ
|
+$53.3M |
$30.1M
+2.1% YoY
|
$212.3M
+9.5% YoY
|
$561.6M
+9.7% YoY
|
Top 6.5% in tier |
| Loans |
$56.6M
-0.3% YoY-1.4% QoQ
|
+$40.9M |
$15.8M
-1.3% YoY
|
$149.4M
+8.7% YoY
|
$397.0M
+8.8% YoY
|
Top 3.1% in tier |
| Deposits |
$71.3M
-2.2% YoY-2.3% QoQ
|
+$45.6M |
$25.7M
+1.4% YoY
|
$185.2M
+10.6% YoY
|
$477.3M
+9.7% YoY
|
Top 6.4% 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 |
-0.3%
-208.0% YoY-2.1% QoQ
|
-0.9% |
0.6%
+10.8% YoY
|
0.7%
+53.7% YoY
|
0.7%
+15.9% YoY
|
Bottom 11.1% in tier |
| NIM |
4.0%
+8.9% YoY+1.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.8%
+3.0% YoY
|
3.8%
+5.1% YoY
|
56% |
| Efficiency Ratio |
96.9%
+9.8% YoY-0.9% QoQ
|
+14.3% |
82.6%
-2.3% YoY
|
77.6%
-5.0% YoY
|
79.7%
-3.3% YoY
|
Top 14.8% in tier |
| Delinquency Rate |
0.3%
-34.0% YoY+252.7% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
+20.7% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
79.4%
+1.9% YoY+0.9% QoQ
|
+18.8% |
60.6%
-3.1% YoY
|
71.1%
-4.0% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$18,364
-3.1% YoY-2.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$16,896
+3.0% YoY
|
$19,687
+2.0% YoY
|
72% |
| CD Concentration |
13.8%
+2.3% YoY+7.4% QoQ
|
-10.6% | 24.4% | 18.2% | 19.8% | 50% |
| Indirect Auto % |
4.1%
-51.6% YoY-16.2% QoQ
|
-9.7% | 13.8% | 10.0% | 7.8% | 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)