BlastPoint's Credit Union Scorecard
LOUDOUN CREDIT UNION
Charter #66954 · VA
LOUDOUN CREDIT UNION has 1 strength but faces 4 concerns
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
- - ROA 1.47% below tier average
- - Efficiency ratio 8.55% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Net Worth Ratio: Bottom 4.8% 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 -0.4% year over year ($55.6M in shares and deposits).
- Membership: 5,357 members, +0.3% vs a year ago.
- Delinquency rate 1.83%.
- Return on assets 0.02%.
- Efficiency ratio 97.32% vs a 88.77% peer average.
- Loan-to-share ratio 32.28% 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 |
5,357
+0.3% YoY+0.1% QoQ
|
+2.8K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 11.4% in tier |
| Assets |
$59.5M
+0.5% YoY+3.3% QoQ
|
+$29.3M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$17.9M
-12.6% YoY-4.3% QoQ
|
+$2.5M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
67% |
| Deposits |
$55.6M
-0.4% YoY+3.3% QoQ
|
+$29.8M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.0%
-94.5% YoY-84.9% QoQ
|
-1.5% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.3% in tier |
| NIM |
3.8%
+4.3% YoY-0.6% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
46% |
| Efficiency Ratio |
97.3%
+14.9% YoY+3.2% QoQ
|
+8.6% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
1.8%
+263.1% YoY+110.6% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
76% |
| Loan To Share |
32.3%
-12.2% YoY-7.4% QoQ
|
-26.6% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.5% in tier |
| AMR |
$13,722
-4.0% YoY+1.3% QoQ
|
$-1K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
17.4%
+14.5% YoY+25.4% QoQ
|
-7.2% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
2.3%
-47.7% YoY-17.2% QoQ
|
-11.3% | 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)