BlastPoint's Credit Union Scorecard
CONNECTS
Charter #6670 · VA
CONNECTS has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Interest Margin 1.44% above tier average
- + Strong member growth: 43.9% YoY
- + Total Deposits: Top 0.1% in tier
- + Total Members: Top 0.1% in tier
- + Total Loans: Top 0.2% in tier
- + Total Assets: Top 0.6% in tier
- + Member Growth Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.31% above tier average
- - Net Worth Ratio: Bottom 0.8% in tier
- - AMR Growth Rate: Bottom 1.6% in tier
- - Net Charge-Off Rate: Bottom 4.1% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits -1.5% year over year ($91.4M in shares and deposits).
- Membership: 15,858 members, +43.9% vs a year ago.
- Delinquency rate 1.85%.
- Return on assets 1.67%.
- Efficiency ratio 80.87% vs a 88.77% peer average.
- Loan-to-share ratio 81.64% vs a 58.89% 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 |
15,858
+43.9% YoY+0.2% QoQ
|
+13.3K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 0.1% in tier |
| Assets |
$98.1M
-3.6% YoY-3.4% QoQ
|
+$67.8M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Top 0.7% in tier |
| Loans |
$74.6M
+34.9% YoY-1.0% QoQ
|
+$59.1M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Top 0.2% in tier |
| Deposits |
$91.4M
-1.5% YoY-3.5% QoQ
|
+$65.6M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Top 0.1% in tier |
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| ROA |
1.7%
-47.9% YoY-134.4% QoQ
|
+0.2% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
5.3%
-36.1% YoY-7.7% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
80.9%
+43.4% YoY-29.6% QoQ
|
-7.9% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
1.9%
+151.4% YoY+15.4% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
81.6%
+37.0% YoY+2.5% QoQ
|
+22.8% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$10,465
-22.1% YoY-2.6% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
30% |
| CD Concentration |
13.0%
-2.5% YoY-16.0% QoQ
|
-11.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
19.4%
-38.9% YoY-9.4% QoQ
|
+5.7% | 13.6% | 9.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)