BlastPoint's Credit Union Scorecard

VIRGINIA COOP

Charter #63965 · MN

2596 CUs in <100M nationally 38 in MN

VIRGINIA COOP has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.84% above tier average
+ Net Interest Margin 0.55% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.9% YoY
- Indirect Auto Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,814 -2.9% YoY-0.1% QoQ	+188	2,625 -2.2% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	64%
Assets	$43.4M +4.9% YoY+1.0% QoQ	+$13.5M	$29.9M +1.1% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	73%
Loans	$23.6M -7.1% YoY+1.1% QoQ	+$7.8M	$15.8M -2.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	75%
Deposits	$38.8M +4.1% YoY+0.5% QoQ	+$13.3M	$25.5M +0.4% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% +3.5% YoY+10.3% QoQ	+0.8%	0.7% -731.4% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	80%
NIM	4.5% +5.0% YoY+0.9% QoQ	+0.6%	3.9% +3.8% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	72%
Efficiency Ratio	67.8% -1.8% YoY+0.1% QoQ	-13.6%	81.4% -2.4% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	27%
Delinquency Rate	0.5% +43.3% YoY+59.1% QoQ	-1.0	1.5% -2.0% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	44%
Loan To Share	60.9% -10.8% YoY+0.6% QoQ	-0.4%	61.2% -3.0% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	49%
AMR	$22,167 +2.5% YoY+0.9% QoQ	+$8K	$14,627 -2.7% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	Top 13.6% in tier
CD Concentration	0.4% +3.0% YoY-4.3% QoQ	-24.0%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.5% -39.5% YoY-17.1% QoQ	-1.5%	14.0% -5.7% YoY	6.6% -8.5% 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)

Compare against:

Comparing against 2596 peers in tier

Top Strengths (6 metrics)

352

Average Member Relationship (AMR)

engagement

Value: $22,167

Peer Avg: -

#352 of 2596 Top 13.5% in <100M tier

411

Loan-to-Member Ratio (LMR)

engagement

Value: $8,386

Peer Avg: -

#411 of 2596 Top 15.8% in <100M tier

512

Return on Assets (ROA)

profitability

Value: 1.52%

Peer Avg: -

#512 of 2596 Top 19.7% in <100M tier

613

Share Certificate Concentration (%)

balance_sheet

Value: 0.42%

Peer Avg: -

#613 of 2596 Top 23.6% in <100M tier

648

Total Loans

balance_sheet

Value: $23.60M

Peer Avg: -

#648 of 2596 Top 24.9% in <100M tier

649

Fee Income Per Member

profitability

Value: $118.52

Peer Avg: -

#649 of 2596 Top 25.0% in <100M tier

Top Weaknesses (3 metrics)

2381

Indirect Auto Concentration (%)

balance_sheet

Value: 12.51%

Peer Avg: -

#2381 of 2596 Bottom 8.3% in <100M tier

2317

First Mortgage Concentration (%)

balance_sheet

Value: 43.70%

Peer Avg: -

#2317 of 2596 Bottom 10.8% in <100M tier

2004

Net Worth Ratio

risk

Value: 10.73%

Peer Avg: -

#2004 of 2596 Bottom 22.8% in <100M tier