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BlastPoint's Credit Union Scorecard

AUGUSTA HEALTH CARE CREDIT UNION

Charter #66933 · VA

<100M
2508 CUs in <100M nationally 48 in VA

AUGUSTA HEALTH CARE CREDIT UNION demonstrates 1 strength

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 1.44% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (VA) National Avg Tier Percentile
Members 1,433
+0.3% YoY-0.1% QoQ
-1.2K 2,676
+1.6% YoY
224,534
+5.9% YoY
33,913
+5.7% YoY
39%
Assets $14.9M
+0.2% YoY+1.9% QoQ
$-15.3M $30.2M
+1.3% YoY
$3.0B
+7.5% YoY
$578.3M
+9.0% YoY
41%
Loans $5.7M
+2.1% YoY+0.4% QoQ
$-9.6M $15.3M
-2.0% YoY
$2.1B
+5.8% YoY
$402.4M
+8.7% YoY
38%
Deposits $11.7M
-1.8% YoY+2.0% QoQ
$-14.1M $25.8M
+0.7% YoY
$2.6B
+7.7% YoY
$494.3M
+9.1% YoY
40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.6%
-14.6% YoY-6.3% QoQ
+1.4% 0.1%
-77.6% YoY
0.3%
-55.0% YoY
0.4%
-39.2% YoY
Top 13.3% in tier
NIM 3.5%
-1.8% YoY-3.6% QoQ
-0.5% 4.0%
+4.0% YoY
4.0%
+3.3% YoY
3.8%
+4.1% YoY
35%
Efficiency Ratio 61.2%
+9.6% YoY+1.5% QoQ
-29.5% 90.6%
+6.5% YoY
81.9%
+0.2% YoY
84.6%
+2.8% YoY
Top 13.2% in tier
Delinquency Rate 0.0%
-76.3% YoY-69.0% QoQ
-1.5 1.5%
+3.8% YoY
1.4%
-2.1% YoY
1.2%
+3.4% YoY
16%
Loan To Share 48.8%
+4.0% YoY-1.5% QoQ
-9.7% 58.5%
-3.0% YoY
62.9%
-4.5% YoY
65.6%
-1.4% YoY
34%
AMR $12,180
-0.8% YoY+1.6% QoQ
$-3K $14,884
-1.7% YoY
$19,100
+3.1% YoY
$19,920
+1.6% YoY
40%
CD Concentration 29.1%
-4.6% YoY+1.0% QoQ
+4.8% 24.3% 18.0% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 9.4% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
321
Net Charge-Off Rate
risk
Value: -0.05%
Peer Median: 0.07%
#321 of 2508 Top 12.8% in <100M tier
333
Efficiency Ratio
profitability
Value: 61.16%
Peer Median: 81.45%
#333 of 2508 Top 13.2% in <100M tier
334
Return on Assets (ROA)
profitability
Value: 1.58%
Peer Median: 0.61%
#334 of 2508 Top 13.3% in <100M tier
414
Total Delinquency Rate (60+ days)
risk
Value: 0.04%
Peer Median: 0.65%
#414 of 2508 Top 16.5% in <100M tier
468
Net Worth Ratio
risk
Value: 21.16%
Peer Median: 14.28%
#468 of 2508 Top 18.6% in <100M tier

Top Weaknesses (1 metrics)

2038
Share Certificate Concentration (%)
balance_sheet
Value: 29.08%
Peer Median: 12.45%
#2038 of 2508 Bottom 18.8% in <100M tier
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