BlastPoint's Credit Union Scorecard
RVA FINANCIAL
Charter #6878 · VA
RVA FINANCIAL has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Net Interest Margin 0.19% above tier average
- + Fee Income Per Member: Top 0.8% in tier
- + Total Members: Top 2.5% in tier
- + Total Loans: Top 4.2% in tier
- + Net Charge-Off Rate: Top 7.6% in tier
- + Total Deposits: Top 8.8% in tier
- + Total Assets: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.23% above tier (higher cost structure)
- - Member decline: -3.1% YoY
- - First Mortgage Concentration (%): Bottom 5.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,819
-3.1% YoY-17.2% QoQ
|
+6.2K |
2,625
-2.2% YoY
|
220,190
+7.3% YoY
|
33,089
+6.1% YoY
|
Top 2.5% in tier |
| Assets |
$75.9M
-0.1% YoY+1.2% QoQ
|
+$46.1M |
$29.9M
+1.1% YoY
|
$2.9B
+6.5% YoY
|
$547.7M
+7.8% YoY
|
Top 9.2% in tier |
| Loans |
$52.7M
+0.2% YoY+1.5% QoQ
|
+$36.9M |
$15.8M
-2.4% YoY
|
$2.1B
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Top 4.3% in tier |
| Deposits |
$65.8M
-0.2% YoY+1.9% QoQ
|
+$40.3M |
$25.5M
+0.4% YoY
|
$2.4B
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 8.8% in tier |
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| ROA |
1.6%
+12.6% YoY+67.0% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
0.7%
+11.3% YoY
|
0.7%
+273.4% YoY
|
83% |
| NIM |
4.1%
+3.1% YoY-1.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+2.0% YoY
|
3.7%
+5.0% YoY
|
59% |
| Efficiency Ratio |
86.6%
+7.7% YoY-3.5% QoQ
|
+5.2% |
81.4%
-2.4% YoY
|
80.4%
+0.4% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
1.1%
+115.4% YoY-58.0% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.7%
+32.7% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
80.1%
+0.4% YoY-0.4% QoQ
|
+18.9% |
61.2%
-3.0% YoY
|
66.7%
-4.2% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$13,435
+3.2% YoY+22.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$18,613
+1.9% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
17.7%
-3.6% YoY+6.3% QoQ
|
-6.7% |
24.4%
+4.2% YoY
|
18.8%
+3.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
5.7%
+163.3% YoY+61.0% QoQ
|
-8.3% |
14.0%
-5.7% YoY
|
9.7%
-0.5% YoY
|
7.9%
-2.9% YoY
|
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)