BlastPoint's Credit Union Scorecard

VIRGINIA COOP

Charter #63965 · MN

<100M

2556 CUs in <100M nationally 38 in MN

VIRGINIA COOP has 2 strengths but faces 3 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 0.93% above tier average
+ Net Interest Margin 0.57% above tier average

Key Concerns

Areas that may need attention

- Member decline: -2.2% YoY
- Indirect Auto Concentration (%): Bottom 8.8% in tier
- First Mortgage Concentration (%): Bottom 10.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,814 -2.2% YoY0% QoQ	+198	2,615 -1.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	64%
Assets	$43.1M +6.0% YoY-0.6% QoQ	+$12.9M	$30.1M +2.1% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	72%
Loans	$23.0M -6.3% YoY-2.4% QoQ	+$7.3M	$15.8M -1.3% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	74%
Deposits	$38.3M +4.8% YoY-1.1% QoQ	+$12.6M	$25.7M +1.4% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	74%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.6% +2.4% YoY+2.1% QoQ	+0.9%	0.6% +10.8% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	Top 14.8% in tier
NIM	4.5% +2.9% YoY+0.7% QoQ	+0.6%	4.0% +4.0% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	74%
Efficiency Ratio	68.2% -1.6% YoY+0.6% QoQ	-14.4%	82.6% -2.3% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	0.5% -24.8% YoY-8.7% QoQ	-1.1	1.6% -3.1% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	41%
Loan To Share	60.1% -10.6% YoY-1.3% QoQ	-0.5%	60.6% -3.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	49%
AMR	$21,805 +2.6% YoY-1.6% QoQ	+$7K	$14,783 -1.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	84%
CD Concentration	0.4% -4.9% YoY-7.8% QoQ	-24.0%	24.4%	22.0%	19.8%	50%
Indirect Auto %	10.7% -44.3% YoY-14.3% QoQ	-3.1%	13.8%	6.5%	7.8%	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 2556 peers in tier

Top Strengths (7 metrics)

378

Return on Assets (ROA)

profitability

Value: 1.55%

Peer Median: -

#378 of 2556 Top 14.7% in <100M tier

396

Average Member Relationship (AMR)

engagement

Value: $21,805

Peer Median: -

#396 of 2556 Top 15.5% in <100M tier

433

Loan-to-Member Ratio (LMR)

engagement

Value: $8,183

Peer Median: -

#433 of 2556 Top 16.9% in <100M tier

558

Asset Growth Rate

growth

Value: 5.98%

Peer Median: -

#558 of 2556 Top 21.8% in <100M tier

594

Share Certificate Concentration (%)

balance_sheet

Value: 0.39%

Peer Median: -

#594 of 2556 Top 23.2% in <100M tier

614

Efficiency Ratio

profitability

Value: 68.20%

Peer Median: -

#614 of 2556 Top 24.0% in <100M tier

630

Fee Income Per Member

profitability

Value: $120.60

Peer Median: -

#630 of 2556 Top 24.6% in <100M tier

Top Weaknesses (3 metrics)

2333

Indirect Auto Concentration (%)

balance_sheet

Value: 10.73%

Peer Median: -

#2333 of 2556 Bottom 8.8% in <100M tier

2302

First Mortgage Concentration (%)

balance_sheet

Value: 45.70%

Peer Median: -

#2302 of 2556 Bottom 10.0% in <100M tier

1924

Net Worth Ratio

risk

Value: 11.01%

Peer Median: -

#1924 of 2556 Bottom 24.8% in <100M tier