BlastPoint's Credit Union Scorecard

CONNECTS

Charter #6670 · VA

1069 CUs in 100M-500M nationally 25 in VA

CONNECTS has 8 strengths but faces 14 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

  • + Net Interest Margin 0.11% above tier average
  • + Strong member growth: 76.1% YoY
  • + Member Growth Rate: Top 0.1% in tier
  • + Loan Growth Rate: Top 0.3% in tier
  • + Members Per Employee (MPE): Top 1.4% in tier
  • + Deposit Growth Rate: Top 1.7% in tier
  • + Asset Growth Rate: Top 1.8% in tier
  • + First Mortgage Concentration (%): Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 1.5% in tier
  • - Credit Risk Growth: Bottom 16.9% in tier
  • - Indirect Auto Dependency: Bottom 44.2% in tier
  • - Credit Quality Pressure: Bottom 59.5% in tier
  • - Efficiency Drag: Bottom 69.7% in tier
  • - ROA 1.67% below tier average
  • - Efficiency ratio 25.89% above tier (higher cost structure)
  • - Delinquency rate 0.17% above tier average
  • - Net Worth Ratio: Bottom 0.3% in tier
  • - AMR Growth Rate: Bottom 0.5% in tier
  • - Average Member Relationship (AMR): Bottom 0.7% in tier
  • - Total Assets: Bottom 2.0% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 4.4% in tier
  • - Total Deposits: Bottom 7.5% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 15,659
+76.1% YoY+0.6% QoQ
 +221 15,437
-2.9% YoY
 222,299
+7.3% YoY
 33,374
+5.7% YoY
 60%
Assets $103.0M
+21.5% YoY-1.7% QoQ
 $-128.8M $231.9M
+1.3% YoY
 $2.9B
+9.9% YoY
 $561.6M
+9.7% YoY
 Bottom 1.9% in tier
Loans $73.9M
+58.6% YoY-1.7% QoQ
 $-73.4M $147.3M
-0.1% YoY
 $2.1B
+6.6% YoY
 $397.0M
+8.8% YoY
 19%
Deposits $96.2M
+23.4% YoY-3.2% QoQ
 $-104.6M $200.8M
+0.8% YoY
 $2.5B
+10.1% YoY
 $477.3M
+9.7% YoY
 Bottom 7.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.9%
+957.1% YoY-24.2% QoQ
 -1.7% 0.8%
+18.2% YoY
 0.6%
+3.1% YoY
 0.7%
+15.9% YoY
 Bottom 1.5% in tier
NIM 3.7%
+18.6% YoY+8.8% QoQ
 +0.1% 3.6%
+6.7% YoY
 3.9%
+2.0% YoY
 3.8%
+5.1% YoY
 56%
Efficiency Ratio 102.9%
+6.4% YoY-2.9% QoQ
 +25.9% 77.0%
-3.1% YoY
 80.2%
-0.6% YoY
 79.7%
-3.3% YoY
 Top 1.7% in tier
Delinquency Rate 1.1%
+16.8% YoY+48.4% QoQ
 +0.2 0.9%
+4.2% YoY
 1.4%
-11.9% YoY
 1.3%
-2.1% YoY
 73%
Loan To Share 76.9%
+28.5% YoY+1.6% QoQ
 +4.7% 72.2%
-1.1% YoY
 65.1%
-5.8% YoY
 67.4%
-1.7% YoY
 55%
AMR $10,865
-22.4% YoY-3.2% QoQ
 $-14K $24,676
+3.4% YoY
 $18,904
+2.4% YoY
 $19,687
+2.0% YoY
 Bottom 0.6% in tier
CD Concentration 19.7%
+68.1% YoY+10.2% QoQ
 -4.8% 24.4% 18.3% 19.8% 50%
Indirect Auto % 23.1%
-34.8% YoY-1.4% QoQ
 +9.3% 13.8% 9.6% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline
#4 of 208 • Bottom 1.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -22.45%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Credit Risk Growth

risk
#78 of 456 • Bottom 16.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 58.56%
(Tier: 4.11%, National: 111.96%)
but better than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally
→ No prior data (456 CUs now) | New qualifier

Indirect Auto Dependency

risk
#224 of 506 • Bottom 44.2% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 21.53%
(Tier: 5.37%, National: 3.54%)
but better than tier avg
Indirect Auto %: 23.13%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 76.12%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 CUs YoY | New qualifier

Credit Quality Pressure

risk
#420 of 705 • Bottom 59.5% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.03% points, National: 0.06% points)
worse than tier avg
705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally
↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk
#375 of 538 • Bottom 69.7% in tier

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

Why This Signature
Efficiency Ratio: 102.91%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.82% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 76.12%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 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)

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

2
Member Growth Rate
growth
Value: 76.12%
Peer Median: -
#2 of 1069 Top 0.1% in 100M-500M tier
4
Loan Growth Rate
growth
Value: 58.56%
Peer Median: -
#4 of 1069 Top 0.3% in 100M-500M tier
16
Members Per Employee (MPE)
engagement
Value: 652.458
Peer Median: -
#16 of 1069 Top 1.4% in 100M-500M tier
19
Deposit Growth Rate
growth
Value: 23.44%
Peer Median: -
#19 of 1069 Top 1.7% in 100M-500M tier
20
Asset Growth Rate
growth
Value: 21.53%
Peer Median: -
#20 of 1069 Top 1.8% in 100M-500M tier
53
First Mortgage Concentration (%)
balance_sheet
Value: 4.58%
Peer Median: -
#53 of 1069 Top 4.9% in 100M-500M tier

Top Weaknesses (11 metrics)

1067
Net Worth Ratio
risk
Value: 5.91%
Peer Median: -
#1067 of 1069 Bottom 0.3% in 100M-500M tier
1065
AMR Growth Rate
growth
Value: -22.45%
Peer Median: -
#1065 of 1069 Bottom 0.5% in 100M-500M tier
1063
Average Member Relationship (AMR)
engagement
Value: $10,865
Peer Median: -
#1063 of 1069 Bottom 0.7% in 100M-500M tier
1053
Return on Assets (ROA)
profitability
Value: -0.91%
Peer Median: -
#1053 of 1069 Bottom 1.6% in 100M-500M tier
1052
Efficiency Ratio
profitability
Value: 102.91%
Peer Median: -
#1052 of 1069 Bottom 1.7% in 100M-500M tier
1049
Total Assets
balance_sheet
Value: $103.05M
Peer Median: -
#1049 of 1069 Bottom 2.0% in 100M-500M tier
1023
Loan-to-Member Ratio (LMR)
engagement
Value: $4,723
Peer Median: -
#1023 of 1069 Bottom 4.4% in 100M-500M tier
990
Total Deposits
balance_sheet
Value: $96.18M
Peer Median: -
#990 of 1069 Bottom 7.5% in 100M-500M tier
879
Fee Income Per Member
profitability
Value: $107.56
Peer Median: -
#879 of 1069 Bottom 17.9% in 100M-500M tier
869
Total Loans
balance_sheet
Value: $73.95M
Peer Median: -
#869 of 1069 Bottom 18.8% in 100M-500M tier
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