BlastPoint's Credit Union Scorecard
VATAT
Charter #67661 · TX
VATAT has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.97% above tier average
- + Net Charge-Off Rate: Top 5.8% in tier
- + Loan-to-Share Ratio: Top 7.0% in tier
- + Member Growth Rate: Top 8.1% in tier
- + Members Per Employee (MPE): Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.60% above tier average
- - AMR Growth Rate: Bottom 3.9% in tier
- - Share Certificate Concentration (%): Bottom 4.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,113
+3.8% YoY+2.0% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$10.4M
-2.0% YoY-1.5% QoQ
|
$-19.8M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$7.7M
-14.3% YoY-3.5% QoQ
|
$-8.1M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
44% |
| Deposits |
$8.1M
-5.4% YoY-1.8% QoQ
|
$-17.6M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
32% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
-20.8% YoY+163.9% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.9%
+9.4% YoY+3.3% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
74.6%
-1.0% YoY-2.3% QoQ
|
-8.0% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
37% |
| Delinquency Rate |
2.2%
+109.3% YoY+20.9% QoQ
|
+0.6 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
80% |
| Loan To Share |
94.4%
-9.4% YoY-1.7% QoQ
|
+33.8% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Top 7.1% in tier |
| AMR |
$14,163
-13.2% YoY-4.6% QoQ
|
$-620 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
48.4%
+11.5% YoY+0.9% QoQ
|
+24.0% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)