BlastPoint's Credit Union Scorecard
RVA FINANCIAL
Charter #6878 · VA
RVA FINANCIAL has 8 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Fee Income Per Member: Top 0.6% in tier
- + Total Members: Top 1.2% in tier
- + Total Loans: Top 3.7% in tier
- + Deposit Growth Rate: Top 4.8% in tier
- + Total Deposits: Top 5.7% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
- + Total Assets: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 5.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 49 that size in Virginia.
- Shares and deposits +13.1% year over year ($73.1M in shares and deposits).
- Membership: 10,517 members, -1.3% vs a year ago.
- Delinquency rate 1.42%.
- Return on assets 2.29%.
- Efficiency ratio 78.58% vs a 88.77% peer average.
- Loan-to-share ratio 73.90% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,517
-1.3% YoY+0.4% QoQ
|
+7.9K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
Top 1.3% in tier |
| Assets |
$82.7M
+10.3% YoY+1.2% QoQ
|
+$52.4M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Top 6.5% in tier |
| Loans |
$54.0M
+4.0% YoY+1.3% QoQ
|
+$38.5M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Top 3.8% in tier |
| Deposits |
$73.1M
+13.1% YoY+1.9% QoQ
|
+$47.3M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Top 5.7% in tier |
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| ROA |
2.3%
+133.7% YoY+42.3% QoQ
|
+0.8% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
Top 6.8% in tier |
| NIM |
3.7%
-11.5% YoY+2.8% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
78.6%
-12.5% YoY-8.5% QoQ
|
-10.2% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
1.4%
-43.4% YoY-0.6% QoQ
|
-0.1 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
70% |
| Loan To Share |
73.9%
-8.1% YoY-0.7% QoQ
|
+15.0% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$12,081
+10.5% YoY+1.2% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
39% |
| CD Concentration |
23.8%
+42.9% YoY+10.6% QoQ
|
-0.7% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % |
7.1%
+100.5% YoY+19.4% QoQ
|
-6.5% | 13.6% | 9.3% | 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)