BlastPoint's Credit Union Scorecard
RVA FINANCIAL
Charter #6878 · VA
RVA FINANCIAL has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.46% above tier average
- + Fee Income Per Member: Top 0.6% in tier
- + Total Members: Top 1.2% in tier
- + Total Loans: Top 3.5% in tier
- + Total Deposits: Top 5.9% in tier
- + Total Assets: Top 6.6% in tier
- + Deposit Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - First Mortgage Concentration (%): Bottom 5.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,471
-2.3% YoY+0.1% QoQ
|
+7.8K |
2,676
+1.6% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Top 1.2% in tier |
| Assets |
$81.7M
+7.2% YoY+7.7% QoQ
|
+$51.5M |
$30.2M
+1.3% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
Top 6.6% in tier |
| Loans |
$53.3M
+3.9% YoY-1.0% QoQ
|
+$38.0M |
$15.3M
-2.0% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
Top 3.6% in tier |
| Deposits |
$71.7M
+9.7% YoY+8.3% QoQ
|
+$45.9M |
$25.8M
+0.7% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 6.0% in tier |
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| ROA |
1.6%
+73.4% YoY+107.8% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
Top 12.9% in tier |
| NIM |
3.6%
-13.2% YoY-12.1% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
41% |
| Efficiency Ratio |
85.9%
+1.4% YoY-7.9% QoQ
|
-4.7% |
90.6%
+6.5% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
1.4%
+252.8% YoY+1.2% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
74.4%
-5.3% YoY-8.5% QoQ
|
+15.9% |
58.5%
-3.0% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$11,937
+9.7% YoY+4.0% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
38% |
| CD Concentration |
21.5%
+44.1% YoY+14.3% QoQ
|
-2.7% | 24.3% | 18.0% | 19.8% | 50% |
| Indirect Auto % |
5.9%
+86.3% YoY+1.6% QoQ
|
-7.9% | 13.8% | 9.4% | 7.7% | 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)