BlastPoint's Credit Union Scorecard

PAHO/WHO

Charter #6464 · VA

100M-500M

1024 CUs in 100M-500M nationally 24 in VA

PAHO/WHO has 3 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
+ Average Member Relationship (AMR): Top 1.3% in tier
+ Loan-to-Member Ratio (LMR): Top 2.7% 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
- Efficiency Drag: Bottom 50.0% in tier
- Flatlined Growth: Bottom 50.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 8.95% above tier (higher cost structure)
- Member decline: -4.4% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 24 that size in Virginia.
Shares and deposits +0.1% year over year ($273M in shares and deposits).
Membership: 6,902 members, -4.4% vs a year ago.
Delinquency rate 0.64%.
Return on assets 0.32%.
Efficiency ratio 85.68% vs a 76.73% peer average.
Loan-to-share ratio 55.15% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	6,902 -4.4% YoY-1.1% QoQ	-8.3K	15,168 -2.6% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	Bottom 11.2% in tier
Assets	$325.8M +1.4% YoY+0.0% QoQ	+$93.8M	$232.0M +0.7% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	77%
Loans	$150.6M -7.6% YoY-1.8% QoQ	+$4.4M	$146.3M +0.2% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	62%
Deposits	$273.1M +0.1% YoY-0.1% QoQ	+$72.4M	$200.7M +0.2% YoY	$2.6B +6.5% YoY	$504.8M +10.3% 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	0.3% -24.2% QoQ	-0.5%	0.9% +12.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	16%
NIM	2.7% +5.3% YoY+0.5% QoQ	-1.0%	3.7% +4.5% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	Bottom 6.6% in tier
Efficiency Ratio	85.7% -9.9% YoY+4.6% QoQ	+8.9%	76.7% -0.8% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	78%
Delinquency Rate	0.6% -19.1% YoY+0.9% QoQ	-0.2	0.9% +6.6% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	46%
Loan To Share	55.1% -7.7% YoY-1.7% QoQ	-16.4%	71.5% -0.3% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	18%
AMR	$61,398 +1.7% YoY+0.4% QoQ	+$36K	$25,107 +3.2% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	Top 1.4% in tier
CD Concentration	43.2% +4.2% YoY+0.9% QoQ	+18.6%	24.6%	18.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	9.3%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#242 of 262 • 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): 1.73%

(Tier: 3.97%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.8K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Concerns (5)

Institutional Decline

decline

#24 of 230 • 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: $325.84M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -4.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -7.59%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY

Stagnation Risk

risk

#74 of 549 • 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): -4.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -7.59%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.64%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank improving

Membership Headwinds

decline

#153 of 549 • 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): -4.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Efficiency Drag

risk

#404 of 531 • 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: 85.68%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.32% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): -4.42%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Flatlined Growth

risk

#39 of 42 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.42%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Return on Assets: 0.32%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

42 of 1024 Mid-Small & Community CUs have this signature | 57 nationally

→ Stable (46→42 CUs) -4 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $61,398

Peer Median: $23,006

#14 of 1024 Top 1.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,824

Peer Median: $9,434

#29 of 1024 Top 2.7% in 100M-500M tier

220

Net Worth Ratio

risk

Value: 14.32%

Peer Median: 11.71%

#220 of 1024 Top 21.4% in 100M-500M tier

231

Total Assets

balance_sheet

Value: $325.84M

Peer Median: $196.38M

#231 of 1024 Top 22.5% in 100M-500M tier

239

Fee Income Per Member

profitability

Value: $212.57

Peer Median: $159.88

#239 of 1024 Top 23.2% in 100M-500M tier

247

Total Deposits

balance_sheet

Value: $273.14M

Peer Median: $170.77M

#247 of 1024 Top 24.0% in 100M-500M tier

Top Weaknesses (11 metrics)

1023

First Mortgage Concentration (%)

balance_sheet

Value: 86.75%

Peer Median: 29.92%

#1023 of 1024 Bottom 0.2% in 100M-500M tier

983

Members Per Employee (MPE)

engagement

Value: 197.200

Peer Median: 310.924

#983 of 1024 Bottom 4.1% in 100M-500M tier

978

Share Certificate Concentration (%)

balance_sheet

Value: 43.15%

Peer Median: 23.39%

#978 of 1024 Bottom 4.6% in 100M-500M tier

977

Loan Growth Rate

growth

Value: -7.59%

Peer Median: 3.02%

#977 of 1024 Bottom 4.7% in 100M-500M tier

956

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.67%

#956 of 1024 Bottom 6.7% in 100M-500M tier

909

Total Members

engagement

Value: 6,902

Peer Median: 13,128

#909 of 1024 Bottom 11.3% in 100M-500M tier

899

Member Growth Rate

growth

Value: -4.42%

Peer Median: -0.03%

#899 of 1024 Bottom 12.3% in 100M-500M tier

855

Return on Assets (ROA)

profitability

Value: 0.32%

Peer Median: 0.75%

#855 of 1024 Bottom 16.6% in 100M-500M tier

845

Loan-to-Share Ratio

balance_sheet

Value: 55.15%

Peer Median: 73.07%

#845 of 1024 Bottom 17.6% in 100M-500M tier

807

Deposit Growth Rate

growth

Value: 0.12%

Peer Median: 3.58%

#807 of 1024 Bottom 21.3% in 100M-500M tier