BlastPoint's Credit Union Scorecard

PAHO/WHO

Charter #6464 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

PAHO/WHO has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Average Member Relationship (AMR): Top 1.1% in tier
+ Loan-to-Member Ratio (LMR): Top 2.3% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.30% below tier average
- Efficiency ratio 3.87% above tier (higher cost structure)
- Member decline: -9.9% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	6,977 -9.9% YoY-1.0% QoQ	-8.2K	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Bottom 11.3% in tier
Assets	$325.8M +1.3% YoY+0.9% QoQ	+$94.1M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	77%
Loans	$153.4M -9.2% YoY-0.6% QoQ	+$9.2M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	63%
Deposits	$273.5M +0.1% YoY+0.9% QoQ	+$72.4M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	76%

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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	0.4% -209.1% YoY+71.1% QoQ	-0.3%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	32%
NIM	2.7% +6.3% YoY-2.1% QoQ	-0.9%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Bottom 6.5% in tier
Efficiency Ratio	81.9% -18.7% YoY-6.9% QoQ	+3.9%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	0.6% +20.3% YoY+34.1% QoQ	-0.1	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	52%
Loan To Share	56.1% -9.3% YoY-1.5% QoQ	-14.3%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	20%
AMR	$61,179 +7.1% YoY+1.4% QoQ	+$36K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Top 1.2% in tier
CD Concentration	42.8% +3.0% YoY+2.0% QoQ	+18.5%	24.3%	18.0%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#74 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 7.07%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.8K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY

Wallet Share Momentum

growth

#270 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 7.07%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#7 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $325.82M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -9.86%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Stagnation Risk

risk

#23 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -9.86%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -9.21%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.64%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#40 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -9.86%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#481 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Efficiency Drag

risk

#591 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.89%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.82% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -9.86%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $61,179

Peer Median: $22,931

#13 of 1070 Top 1.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,980

Peer Median: $9,356

#26 of 1070 Top 2.3% in 100M-500M tier

203

Net Worth Ratio

risk

Value: 14.26%

Peer Median: 11.45%

#203 of 1070 Top 18.9% in 100M-500M tier

208

AMR Growth Rate

growth

Value: 7.07%

Peer Median: 3.46%

#208 of 1070 Top 19.3% in 100M-500M tier

236

Fee Income Per Member

profitability

Value: $209.08

Peer Median: $154.95

#236 of 1070 Top 22.0% in 100M-500M tier

246

Total Assets

balance_sheet

Value: $325.82M

Peer Median: $196.57M

#246 of 1070 Top 22.9% in 100M-500M tier

261

Total Deposits

balance_sheet

Value: $273.49M

Peer Median: $171.29M

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1069

First Mortgage Concentration (%)

balance_sheet

Value: 86.33%

Peer Median: 29.47%

#1069 of 1070 Bottom 0.2% in 100M-500M tier

1033

Member Growth Rate

growth

Value: -9.86%

Peer Median: -0.06%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1033

Loan Growth Rate

growth

Value: -9.21%

Peer Median: 2.93%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1029

Members Per Employee (MPE)

engagement

Value: 199.343

Peer Median: 309.176

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1020

Share Certificate Concentration (%)

balance_sheet

Value: 42.76%

Peer Median: 23.10%

#1020 of 1070 Bottom 4.8% in 100M-500M tier

1000

Net Interest Margin (NIM)

profitability

Value: 2.69%

Peer Median: 3.62%

#1000 of 1070 Bottom 6.6% in 100M-500M tier

949

Total Members

engagement

Value: 6,977

Peer Median: 13,200

#949 of 1070 Bottom 11.4% in 100M-500M tier

858

Loan-to-Share Ratio

balance_sheet

Value: 56.07%

Peer Median: 71.88%

#858 of 1070 Bottom 19.9% in 100M-500M tier

856

Deposit Growth Rate

growth

Value: 0.05%

Peer Median: 3.30%

#856 of 1070 Bottom 20.1% in 100M-500M tier