BlastPoint's Credit Union Scorecard

CONNECTS

Charter #6670 · VA

100M-500M

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

CONNECTS has 8 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

+ Net Interest Margin 2.16% above tier average
+ Strong member growth: 78.0% YoY
+ Member Growth Rate: Top 0.1% in tier
+ Loan Growth Rate: Top 0.3% in tier
+ Members Per Employee (MPE): Top 0.9% in tier
+ Deposit Growth Rate: Top 1.7% in tier
+ Asset Growth Rate: Top 2.8% in tier
+ First Mortgage Concentration (%): Top 5.2% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 5.59% below tier average
- Efficiency ratio 36.84% above tier (higher cost structure)
- Delinquency rate 0.83% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	15,831 +78.0% YoY+1.1% QoQ	+685	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	62%
Assets	$101.5M +15.2% YoY-1.5% QoQ	$-130.2M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	Bottom 1.6% in tier
Loans	$75.4M +57.1% YoY+1.9% QoQ	$-68.8M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	21%
Deposits	$94.6M +19.1% YoY-1.6% QoQ	$-106.5M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	Bottom 6.5% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	-4.9% -194.2% YoY+435.5% QoQ	-5.6%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	Bottom 0.1% in tier
NIM	5.8% -59.2% YoY+55.9% QoQ	+2.2%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	Top 0.6% in tier
Efficiency Ratio	114.9% +147.6% YoY+11.6% QoQ	+36.8%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	Bottom 0.9% in tier
Delinquency Rate	1.6% +51.3% YoY+50.3% QoQ	+0.8	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	Bottom 9.4% in tier
Loan To Share	79.6% +31.9% YoY+3.6% QoQ	+9.2%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	67%
AMR	$10,739 -25.1% YoY-1.2% QoQ	$-14K	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	Bottom 0.5% in tier
CD Concentration	15.5% +26.4% YoY-21.3% QoQ	-8.8%	24.3%	18.0%	19.8%	50%
Indirect Auto %	21.4% -39.3% YoY-7.6% QoQ	+7.6%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Shrinking Wallet Share

decline

#3 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -25.06%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | New qualifier

Credit Risk Growth

risk

#6 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 57.14%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.54% points

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

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#101 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): 0.54% 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 | New qualifier

Indirect Auto Dependency

risk

#259 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 15.22%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 21.38%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 78.04%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | New qualifier

Efficiency Drag

risk

#444 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: 114.86%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -10.03% points

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

worse than tier avg

Member Growth (YoY): 78.04%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

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

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 78.04%

Peer Median: -0.06%

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

Loan Growth Rate

growth

Value: 57.14%

Peer Median: 2.93%

#4 of 1070 Top 0.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.79%

Peer Median: 3.62%

#6 of 1070 Top 0.5% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 688.304

Peer Median: 309.176

#11 of 1070 Top 0.9% in 100M-500M tier

Deposit Growth Rate

growth

Value: 19.11%

Peer Median: 3.30%

#19 of 1070 Top 1.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 15.22%

Peer Median: 3.91%

#31 of 1070 Top 2.8% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 4.45%

Peer Median: 29.47%

#57 of 1070 Top 5.2% in 100M-500M tier

255

Share Certificate Concentration (%)

balance_sheet

Value: 15.48%

Peer Median: 23.10%

#255 of 1070 Top 23.7% in 100M-500M tier

Top Weaknesses (12 metrics)

1070

Net Worth Ratio

risk

Value: 5.34%

Peer Median: 11.45%

#1070 of 1070 Bottom 0.1% in 100M-500M tier

1069

Return on Assets (ROA)

profitability

Value: -4.86%

Peer Median: 0.69%

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

1066

Fee Income Per Member

profitability

Value: $-28.59

Peer Median: $154.95

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1066

AMR Growth Rate

growth

Value: -25.06%

Peer Median: 3.46%

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1065

Average Member Relationship (AMR)

engagement

Value: $10,739

Peer Median: $22,931

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1061

Efficiency Ratio

profitability

Value: 114.86%

Peer Median: 78.68%

#1061 of 1070 Bottom 0.9% in 100M-500M tier

1053

Total Assets

balance_sheet

Value: $101.54M

Peer Median: $196.57M

#1053 of 1070 Bottom 1.7% in 100M-500M tier

1045

Net Charge-Off Rate

risk

Value: 1.89%

Peer Median: 0.35%

#1045 of 1070 Bottom 2.4% in 100M-500M tier

1017

Loan-to-Member Ratio (LMR)

engagement

Value: $4,761

Peer Median: $9,356

#1017 of 1070 Bottom 5.0% in 100M-500M tier

1000

Total Deposits

balance_sheet

Value: $94.65M

Peer Median: $171.29M

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