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 21.5% in tier
- + Organic Growth Leader: Top 59.5% in tier
- + Wallet Share Momentum: Top 82.2% in tier
- + ROA 0.55% above tier average
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 3.6% in tier
- + Total Delinquency Rate (60+ days): Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 55.5% in tier
- - Credit Risk Growth: Bottom 67.7% in tier
- - Credit Quality Pressure: Bottom 90.5% in tier
- - Share Certificate Concentration (%): Bottom 8.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,860
+2.1% YoY+0.4% QoQ
|
+3.4K |
15,437
-2.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
72% |
| Assets |
$260.7M
+8.3% YoY+2.7% QoQ
|
+$28.8M |
$231.9M
+1.3% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$208.4M
+9.1% YoY+2.9% QoQ
|
+$61.1M |
$147.3M
-0.1% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$225.1M
+7.3% YoY+2.4% QoQ
|
+$24.3M |
$200.8M
+0.8% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
1.3%
+8.1% YoY+6.7% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
85% |
| NIM |
4.0%
-1.2% YoY-1.2% QoQ
|
+0.3% |
3.6%
+6.7% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
73.9%
-0.8% YoY-2.7% QoQ
|
-3.1% |
77.0%
-3.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.1%
+43.8% YoY+124.6% QoQ
|
-0.8 |
0.9%
+4.2% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.1% in tier |
| Loan To Share |
92.6%
+1.7% YoY+0.5% QoQ
|
+20.4% |
72.2%
-1.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Top 10.1% in tier |
| AMR |
$22,989
+6.0% YoY+2.2% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
52% |
| CD Concentration |
39.5%
+6.7% YoY+2.5% QoQ
|
+15.1% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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 (<20%). 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)