BlastPoint's Credit Union Scorecard
PAHO/WHO
Charter #6464 · VA
PAHO/WHO has 5 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 43.8% in tier
- + Wallet Share Momentum: Top 87.1% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 1.7% in tier
- - Membership Headwinds: Bottom 6.9% in tier
- - Stagnation Risk: Bottom 7.6% in tier
- - Efficiency Drag: Bottom 54.6% in tier
- - ROA 0.51% below tier average
- - Efficiency ratio 10.91% above tier (higher cost structure)
- - Member decline: -9.9% YoY
- - First Mortgage Concentration (%): Bottom 0.2% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
- - Member Growth Rate: Bottom 3.3% in tier
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Share Certificate Concentration (%): Bottom 5.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,051
-9.9% YoY-0.5% QoQ
|
-8.4K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 11.1% in tier |
| Assets |
$322.9M
+0.5% YoY+0.6% QoQ
|
+$91.1M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$154.3M
-11.0% YoY-2.7% QoQ
|
+$6.9M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$271.0M
-0.9% YoY-0.1% QoQ
|
+$70.2M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
0.2%
+123.5% YoY+120.4% QoQ
|
-0.5% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.8% in tier |
| NIM |
2.8%
+11.5% YoY+1.4% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio |
87.9%
+1.4% YoY-2.4% QoQ
|
+10.9% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Top 14.1% in tier |
| Delinquency Rate |
0.5%
-15.8% YoY-67.1% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
56.9%
-10.2% YoY-2.6% QoQ
|
-15.3% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$60,311
+5.7% YoY-0.6% QoQ
|
+$36K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.3% in tier |
| CD Concentration |
41.9%
+3.6% YoY-0.3% QoQ
|
+17.5% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)