BlastPoint's Credit Union Scorecard
BLUE EAGLE
Charter #68629 · VA
1077 CUs in 100M-500M nationally
25 in VA
BLUE EAGLE has 9 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.7% in tier
- + Organic Growth Leader: Top 20.0% in tier
- + Wallet Share Momentum: Top 21.0% in tier
- + Relationship Depth Leader: Top 30.0% in tier
- + ROA 0.44% above tier average
- + Net Interest Margin 0.41% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 1.9% in tier
- + Fee Income Per Member: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 22.2% in tier
- - Growth-at-Risk: Bottom 25.4% in tier
- - Credit Quality Pressure: Bottom 29.1% in tier
- - Liquidity Overhang: Bottom 32.5% in tier
- - Share Certificate Concentration (%): Bottom 9.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,776
+1.9% YoY+1.1% QoQ
|
+3.1K |
15,628
-3.4% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
71% |
| Assets |
$253.8M
+7.2% YoY+2.1% QoQ
|
+$22.5M |
$231.3M
-0.0% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$202.5M
+6.4% YoY+2.9% QoQ
|
+$54.7M |
$147.8M
-1.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$219.8M
+5.6% YoY+1.7% QoQ
|
+$19.5M |
$200.3M
-0.0% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
64% |
| ROA |
1.2%
+4.2% YoY+24.0% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
4.0%
-0.8% YoY+1.2% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
75.9%
+1.1% YoY-3.6% QoQ
|
-1.4% |
77.3%
-3.0% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.0%
+13.4% YoY-20.0% QoQ
|
-0.8 |
0.9%
+7.6% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
92.1%
+0.7% YoY+1.2% QoQ
|
+19.4% |
72.7%
-1.5% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
Top 11.5% in tier |
| AMR |
$22,491
+4.0% YoY+1.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
38.6%
+6.5% YoY+5.9% QoQ
|
+14.2% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growth
#179 of 603 • Top 9.7% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.93%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
1.23%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
0.00%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#265 of 430 • Top 20.0% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.93%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Wallet Share Momentum
growth
#581 of 1006 • Top 21.0% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
3.97%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#826 of 1006 • Top 30.0% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
3.97%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$1.9K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Concerns (4)
Liquidity Strain
risk
#173 of 258 • Bottom 22.2% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
92.12%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
6.37%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#381 of 446 • Bottom 25.4% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
6.37%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.01% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#721 of 736 • Bottom 29.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.01% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Liquidity Overhang
risk
#504 of 552 • Bottom 32.5% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
13.02%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
92.12%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 CUs YoY
|
Rank worsening
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
22
Total Delinquency Rate (60+ days)
risk
Value:
0.05%
Peer Avg: 0.86%
#22 of 1077
Top 1.9% in 100M-500M tier
35
Fee Income Per Member
profitability
Value:
$326.32
Peer Avg: $174.31
#35 of 1077
Top 3.2% in 100M-500M tier
124
Loan-to-Share Ratio
balance_sheet
Value:
92.12%
Peer Avg: 72.70%
#124 of 1077
Top 11.4% in 100M-500M tier
221
Return on Assets (ROA)
profitability
Value:
1.23%
Peer Avg: 0.79%
#221 of 1077
Top 20.4% in 100M-500M tier
256
Asset Growth Rate
growth
Value:
7.18%
Peer Avg: 4.70%
#256 of 1077
Top 23.7% in 100M-500M tier
260
Total Loans
balance_sheet
Value:
$202.49M
Peer Avg: $147.80M
#260 of 1077
Top 24.0% in 100M-500M tier
Top Weaknesses (1 metrics)
971
Share Certificate Concentration (%)
balance_sheet
Value:
38.58%
Peer Avg: 23.61%
#971 of 1077
Bottom 9.9% in 100M-500M tier