BlastPoint's Credit Union Scorecard

VIRGINIA COOP

Charter #63965 · MN

<100M

2508 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 1.07% above tier average
+ Net Interest Margin 0.39% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Concentration (%): Bottom 9.1% in tier
- First Mortgage Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,784 +0.6% YoY-1.1% QoQ	+107	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	64%
Assets	$44.7M +5.5% YoY+3.7% QoQ	+$14.5M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	73%
Loans	$23.0M -2.7% YoY+0.1% QoQ	+$7.8M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	75%
Deposits	$39.8M +4.4% YoY+3.9% QoQ	+$14.1M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	75%

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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	1.2% +0.1% YoY-21.9% QoQ	+1.1%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	77%
NIM	4.4% -2.6% YoY-2.7% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	73%
Efficiency Ratio	71.5% +6.1% YoY+4.8% QoQ	-19.2%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	28%
Delinquency Rate	0.4% -18.8% YoY-18.3% QoQ	-1.1	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	39%
Loan To Share	57.8% -6.8% YoY-3.7% QoQ	-0.7%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	49%
AMR	$22,588 +1.1% YoY+3.6% QoQ	+$8K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	Top 13.5% in tier
CD Concentration	0.3% -27.1% YoY-16.7% QoQ	-24.0%	24.3%	22.6%	19.8%	50%
Indirect Auto %	9.0% -48.3% YoY-16.1% QoQ	-4.8%	13.8%	6.4%	7.7%	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 2508 peers in tier

Top Strengths (6 metrics)

338

Average Member Relationship (AMR)

engagement

Value: $22,588

Peer Median: $13,926

#338 of 2508 Top 13.4% in <100M tier

393

Loan-to-Member Ratio (LMR)

engagement

Value: $8,275

Peer Median: $4,923

#393 of 2508 Top 15.6% in <100M tier

547

Asset Growth Rate

growth

Value: 5.46%

Peer Median: 1.30%

#547 of 2508 Top 21.8% in <100M tier

580

Share Certificate Concentration (%)

balance_sheet

Value: 0.32%

Peer Median: 12.45%

#580 of 2508 Top 23.1% in <100M tier

584

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Median: 0.61%

#584 of 2508 Top 23.2% in <100M tier

616

Total Loans

balance_sheet

Value: $23.04M

Peer Median: $9.48M

#616 of 2508 Top 24.5% in <100M tier

Top Weaknesses (2 metrics)

2282

Indirect Auto Concentration (%)

balance_sheet

Value: 9.00%

Peer Median: 0.00%

#2282 of 2508 Bottom 9.1% in <100M tier

2271

First Mortgage Concentration (%)

balance_sheet

Value: 47.10%

Peer Median: 3.66%

#2271 of 2508 Bottom 9.5% in <100M tier