BlastPoint's Credit Union Scorecard
NEWPORT NEWS MUN. EMP CREDIT UNION
Charter #66970 · VA
NEWPORT NEWS MUN. EMP CREDIT UNION has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% above tier average
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 0.16% above tier average
- - Member decline: -2.8% YoY
- - Indirect Auto Concentration (%): Bottom 3.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,938
-2.8% YoY+5.1% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$54.8M
+5.1% YoY-1.5% QoQ
|
+$24.7M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$24.9M
-4.0% YoY-2.8% QoQ
|
+$9.1M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
77% |
| Deposits |
$49.8M
+2.7% YoY-2.1% QoQ
|
+$24.1M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
1.5%
-0.9% YoY-9.3% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
4.3%
+4.1% YoY-2.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
64.4%
-1.2% YoY+4.9% QoQ
|
-18.2% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.7%
-26.9% YoY+6.8% QoQ
|
+0.2 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
50.0%
-6.5% YoY-0.7% QoQ
|
-10.7% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
33% |
| AMR |
$18,951
+3.3% YoY-7.1% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
1.7%
-5.8% YoY+2.1% QoQ
|
-22.7% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
34.1%
+37.2% YoY-1.9% QoQ
|
+20.4% | 13.8% | 9.6% | 7.8% | 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)