BlastPoint's Credit Union Scorecard
BLUE EAGLE
Charter #68629 · VA
BLUE EAGLE has 8 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.67% above tier average
- + Net Interest Margin 0.33% above tier average
- + Total Delinquency Rate (60+ days): Top 1.7% in tier
- + Fee Income Per Member: Top 5.2% in tier
- + Loan-to-Share Ratio: Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,866
+2.3% YoY+0.0% QoQ
|
+3.7K |
15,145
-2.5% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
73% |
| Assets |
$266.5M
+6.7% YoY+2.2% QoQ
|
+$34.8M |
$231.7M
+0.8% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$214.6M
+11.6% YoY+3.0% QoQ
|
+$70.5M |
$144.1M
+0.2% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$230.3M
+5.8% YoY+2.3% QoQ
|
+$29.1M |
$201.1M
+0.4% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
1.4%
+72.6% YoY+6.4% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Top 13.7% in tier |
| NIM |
4.0%
+1.5% YoY+0.2% QoQ
|
+0.3% |
3.6%
+4.6% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
69.4%
-14.4% YoY-6.1% QoQ
|
-8.6% |
78.0%
-1.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
23% |
| Delinquency Rate |
0.0%
-72.8% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
Top 1.7% in tier |
| Loan To Share |
93.2%
+5.5% YoY+0.7% QoQ
|
+22.8% |
70.4%
-0.4% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Top 6.1% in tier |
| AMR |
$23,581
+6.0% YoY+2.6% QoQ
|
$-1K |
$24,918
+2.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
54% |
| CD Concentration |
38.1%
+6.6% YoY-3.5% QoQ
|
+13.9% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.4% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)