BlastPoint's Credit Union Scorecard
NEWPORT NEWS MUN. EMP CREDIT UNION
Charter #66970 · VA
NEWPORT NEWS MUN. EMP CREDIT UNION has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.50% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Delinquency rate 0.09% above tier average
- - Member decline: -3.0% YoY
- - Indirect Auto Concentration (%): Bottom 3.6% 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 -2.4% year over year ($49.2M in shares and deposits).
- Membership: 3,859 members, -3.0% vs a year ago.
- Delinquency rate 1.64%.
- Return on assets 1.20%.
- Efficiency ratio 62.22% vs a 88.77% peer average.
- Loan-to-share ratio 48.28% 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 |
3,859
-3.0% YoY-1.1% QoQ
|
+1.3K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$54.4M
-0.8% YoY-1.5% QoQ
|
+$24.1M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
80% |
| Loans |
$23.8M
-10.1% YoY-2.0% QoQ
|
+$8.3M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$49.2M
-2.4% YoY-1.8% QoQ
|
+$23.4M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
82% |
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| ROA |
1.2%
-25.0% YoY-17.9% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
4.4%
+1.5% YoY+2.1% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
62.2%
-0.4% YoY-3.1% QoQ
|
-26.5% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
Top 13.7% in tier |
| Delinquency Rate |
1.6%
-13.1% YoY-7.6% QoQ
|
+0.1 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
48.3%
-7.9% YoY-0.2% QoQ
|
-10.6% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$18,915
-2.1% YoY-0.8% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration |
1.1%
-34.0% YoY+1.8% QoQ
|
-23.4% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
29.8%
-14.2% YoY+9.4% QoQ
|
+16.2% | 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)