BlastPoint's Credit Union Scorecard

LOUDOUN CREDIT UNION

Charter #66954 · VA

<100M

2508 CUs in <100M nationally 48 in VA

LOUDOUN CREDIT UNION has 1 strength but faces 2 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

+ Members Per Employee (MPE): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 3.69% above tier (higher cost structure)
- Net Worth Ratio: Bottom 7.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	5,351 +0.3% YoY-0.1% QoQ	+2.7K	2,676 +1.6% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	Top 11.5% in tier
Assets	$57.6M -3.1% YoY-1.1% QoQ	+$27.4M	$30.2M +1.3% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	82%
Loans	$18.7M -8.0% YoY-3.6% QoQ	+$3.5M	$15.3M -2.0% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	68%
Deposits	$53.8M -4.0% YoY-1.3% QoQ	+$28.0M	$25.8M +0.7% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	84%

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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	0.1% -53.4% YoY-64.9% QoQ	+0.0%	0.1% -77.6% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	27%
NIM	3.8% +4.5% YoY+2.0% QoQ	-0.2%	4.0% +4.0% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	94.3% +9.1% YoY+10.2% QoQ	+3.7%	90.6% +6.5% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.9% +75.0% YoY+85.4% QoQ	-0.6	1.5% +3.8% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	60%
Loan To Share	34.9% -4.1% YoY-2.4% QoQ	-23.7%	58.5% -3.0% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	16%
AMR	$13,553 -5.4% YoY-1.8% QoQ	$-1K	$14,884 -1.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	48%
CD Concentration	13.8% -3.7% YoY-6.1% QoQ	-10.4%	24.3%	18.0%	19.8%	50%
Indirect Auto %	2.8% -47.1% YoY-12.7% QoQ	-11.0%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

194

Members Per Employee (MPE)

engagement

Value: 594.556

Peer Median: 333.750

#194 of 2508 Top 7.7% in <100M tier

288

Total Members

engagement

Value: 5,351

Peer Median: 1,918

#288 of 2508 Top 11.4% in <100M tier

403

Total Deposits

balance_sheet

Value: $53.78M

Peer Median: $18.77M

#403 of 2508 Top 16.0% in <100M tier

464

Total Assets

balance_sheet

Value: $57.62M

Peer Median: $21.86M

#464 of 2508 Top 18.5% in <100M tier

Top Weaknesses (7 metrics)

2332

Net Worth Ratio

risk

Value: 8.44%

Peer Median: 14.28%

#2332 of 2508 Bottom 7.1% in <100M tier

2207

Indirect Auto Concentration (%)

balance_sheet

Value: 2.78%

Peer Median: 0.00%

#2207 of 2508 Bottom 12.0% in <100M tier

2111

AMR Growth Rate

growth

Value: -5.40%

Peer Median: 1.27%

#2111 of 2508 Bottom 15.9% in <100M tier

2102

Loan-to-Share Ratio

balance_sheet

Value: 34.85%

Peer Median: 58.72%

#2102 of 2508 Bottom 16.2% in <100M tier

1950

Asset Growth Rate

growth

Value: -3.07%

Peer Median: 1.30%

#1950 of 2508 Bottom 22.3% in <100M tier

1950

Deposit Growth Rate

growth

Value: -4.04%

Peer Median: 0.66%

#1950 of 2508 Bottom 22.3% in <100M tier

1923

Efficiency Ratio

profitability

Value: 94.32%

Peer Median: 81.45%

#1923 of 2508 Bottom 23.4% in <100M tier