BlastPoint's Credit Union Scorecard

PAHO/WHO

Charter #6464 · VA

1077 CUs in 100M-500M nationally 25 in VA

PAHO/WHO has 6 strengths but faces 16 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 7.4% in tier
+ Wallet Share Momentum: Top 15.4% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 1.1% in tier
+ Loan-to-Member Ratio (LMR): Top 2.4% in tier
+ AMR Growth Rate: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.1% in tier
- Membership Headwinds: Bottom 1.2% in tier
- Institutional Decline: Bottom 1.4% in tier
- Stagnation Risk: Bottom 6.3% in tier
- Efficiency Drag: Bottom 11.0% in tier
- ROA 0.67% below tier average
- Efficiency ratio 12.81% above tier (higher cost structure)
- Delinquency rate 0.59% above tier average
- Member decline: -13.4% YoY
- First Mortgage Concentration (%): Bottom 0.2% in tier
- Member Growth Rate: Bottom 2.1% in tier
- Asset Growth Rate: Bottom 2.9% in tier
- Members Per Employee (MPE): Bottom 3.6% in tier
- Share Certificate Concentration (%): Bottom 5.0% in tier
- Loan Growth Rate: Bottom 9.6% in tier
- Net Interest Margin (NIM): Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	7,084 -13.4% YoY-1.9% QoQ	-8.5K	15,628 -3.4% YoY	220,190 +7.3% YoY	33,089 +6.1% YoY	Bottom 10.6% in tier
Assets	$321.0M -5.9% YoY-0.1% QoQ	+$89.7M	$231.3M -0.0% YoY	$2.9B +6.5% YoY	$547.7M +7.8% YoY	77%
Loans	$158.6M -6.2% YoY-2.7% QoQ	+$10.8M	$147.8M -1.4% YoY	$2.1B +5.3% YoY	$388.7M +8.6% YoY	63%
Deposits	$271.3M -0.4% YoY-0.6% QoQ	+$71.0M	$200.3M -0.0% YoY	$2.4B +8.1% YoY	$464.6M +9.3% 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	0.1% -28.7% YoY+27911.0% QoQ	-0.7%	0.8% +15.5% YoY	0.7% +11.3% YoY	0.7% +273.4% YoY	Bottom 10.1% in tier
NIM	2.7% +12.1% YoY+5.5% QoQ	-0.9%	3.6% +6.9% YoY	3.9% +2.0% YoY	3.7% +5.0% YoY	Bottom 9.8% in tier
Efficiency Ratio	90.1% +4.0% YoY-5.2% QoQ	+12.8%	77.3% -3.0% YoY	80.4% +0.4% YoY	79.1% -3.3% YoY	Top 10.5% in tier
Delinquency Rate	1.4% +467.6% YoY+81.7% QoQ	+0.6	0.9% +7.6% YoY	1.7% +32.7% YoY	1.2% -0.9% YoY	84%
Loan To Share	58.4% -5.8% YoY-2.2% QoQ	-14.3%	72.7% -1.5% YoY	66.7% -4.2% YoY	68.0% -1.7% YoY	19%
AMR	$60,683 +12.5% YoY+0.5% QoQ	+$36K	$24,363 +2.9% YoY	$18,613 +1.9% YoY	$19,418 +1.3% YoY	Top 1.2% in tier
CD Concentration	42.0% +6.5% YoY+1.5% QoQ	+17.6%	24.4% +4.2% YoY	18.8% +3.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	9.7% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#20 of 257 • Top 7.4% 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): 12.51%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.7K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#75 of 481 • Top 15.4% in tier

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

Why This Signature

AMR Growth (YoY): 12.51%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#28 of 736 • Bottom 1.1% in tier

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

Why This Signature

Delinquency Change (YoY): 1.19% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Membership Headwinds

decline

#21 of 550 • Bottom 1.2% in tier

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

Why This Signature

Member Growth (YoY): -13.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#12 of 256 • Bottom 1.4% in tier

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

Why This Signature

Total Assets: $321.02M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -13.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.16%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk

#104 of 550 • Bottom 6.3% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -13.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.16%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.44%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Efficiency Drag

risk

#194 of 521 • Bottom 11.0% in tier

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

Why This Signature

Efficiency Ratio: 90.08%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): -0.05% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -13.42%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $60,683

Peer Avg: -

#13 of 1077 Top 1.1% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,383

Peer Avg: -

#27 of 1077 Top 2.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 12.51%

Peer Avg: -

#60 of 1077 Top 5.5% in 100M-500M tier

209

Net Worth Ratio

risk

Value: 14.27%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

252

Total Assets

balance_sheet

Value: $321.02M

Peer Avg: -

#252 of 1077 Top 23.3% in 100M-500M tier

261

Total Deposits

balance_sheet

Value: $271.32M

Peer Avg: -

#261 of 1077 Top 24.1% in 100M-500M tier

Top Weaknesses (13 metrics)

1076

First Mortgage Concentration (%)

balance_sheet

Value: 84.18%

Peer Avg: -

#1076 of 1077 Bottom 0.2% in 100M-500M tier

1055

Member Growth Rate

growth

Value: -13.42%

Peer Avg: -

#1055 of 1077 Bottom 2.1% in 100M-500M tier

1047

Asset Growth Rate

growth

Value: -5.89%

Peer Avg: -

#1047 of 1077 Bottom 2.9% in 100M-500M tier

1039

Members Per Employee (MPE)

engagement

Value: 196.778

Peer Avg: -

#1039 of 1077 Bottom 3.6% in 100M-500M tier

1024

Share Certificate Concentration (%)

balance_sheet

Value: 42.03%

Peer Avg: -

#1024 of 1077 Bottom 5.0% in 100M-500M tier

975

Loan Growth Rate

growth

Value: -6.16%

Peer Avg: -

#975 of 1077 Bottom 9.6% in 100M-500M tier

971

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Avg: -

#971 of 1077 Bottom 9.9% in 100M-500M tier

968

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Avg: -

#968 of 1077 Bottom 10.2% in 100M-500M tier

965

Efficiency Ratio

profitability

Value: 90.08%

Peer Avg: -

#965 of 1077 Bottom 10.5% in 100M-500M tier

963

Total Members

engagement

Value: 7,084

Peer Avg: -

#963 of 1077 Bottom 10.7% in 100M-500M tier