BlastPoint's Credit Union Scorecard

VAPR

Charter #6918 · PR

100M-500M

1024 CUs in 100M-500M nationally 2 in PR

VAPR has 6 strengths but faces 5 concerns

National Analysis

How does the industry compare?

PR Analysis

How does PR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.33% above tier average
+ Net Interest Margin 0.40% above tier average
+ Loan Growth Rate: Top 6.2% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Cost Spiral: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 5.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 2 that size in Puerto Rico.
Shares and deposits +7.3% year over year ($283M in shares and deposits).
Membership: 20,961 members, +1.9% vs a year ago.
Delinquency rate 0.24%.
Return on assets 1.19%.
Efficiency ratio 63.14% vs a 76.73% peer average.
Loan-to-share ratio 78.67% vs a 71.54% 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 (PR)	National Avg	Tier Percentile
Members	20,961 +1.9% YoY+1.2% QoQ	+5.8K	15,168 -2.6% YoY	27,483 +0.8% YoY	34,678 +6.6% YoY	80%
Assets	$315.6M +8.4% YoY+1.6% QoQ	+$83.6M	$232.0M +0.7% YoY	$326.7M +5.8% YoY	$593.1M +10.2% YoY	75%
Loans	$222.6M +16.1% YoY+4.8% QoQ	+$76.3M	$146.3M +0.2% YoY	$244.1M +3.8% YoY	$418.6M +10.1% YoY	81%
Deposits	$283.0M +7.3% YoY+1.5% QoQ	+$82.3M	$200.7M +0.2% YoY	$285.3M +3.8% YoY	$504.8M +10.3% YoY	78%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% -21.1% YoY+4.9% QoQ	+0.3%	0.9% +12.5% YoY	1.4% +80.8% YoY	1.2% +121.4% YoY	76%
NIM	4.1% +2.4% YoY-0.3% QoQ	+0.4%	3.7% +4.5% YoY	4.9% -0.3% YoY	3.8% +2.3% YoY	74%
Efficiency Ratio	63.1% +10.4% YoY+6.7% QoQ	-13.6%	76.7% -0.8% YoY	61.1% +3.2% YoY	83.0% -5.3% YoY	Top 12.6% in tier
Delinquency Rate	0.2% +21.8% YoY+301.3% QoQ	-0.6	0.9% +6.6% YoY	0.5% -16.7% YoY	1.3% +2.6% YoY	Top 14.2% in tier
Loan To Share	78.7% +8.1% YoY+3.3% QoQ	+7.1%	71.5% -0.3% YoY	79.4% -3.8% YoY	66.4% -1.4% YoY	61%
AMR	$24,119 +8.9% YoY+1.7% QoQ	$-988	$25,107 +3.2% YoY	$15,733 +4.2% YoY	$20,028 -0.9% YoY	56%
CD Concentration	36.5% +9.8% YoY+3.6% QoQ	+11.9%	24.6%	28.3%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	0.0%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#162 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.93%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Organic Growth Engine

growth

#143 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.19%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth

#223 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.91%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline

#37 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.19%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.51%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.32% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#201 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 16.07%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Cost Spiral

risk

#53 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.97% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 57.17%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#599 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.07%

Peer Median: 3.02%

#64 of 1024 Top 6.2% in 100M-500M tier

109

First Mortgage Concentration (%)

balance_sheet

Value: 8.74%

Peer Median: 29.92%

#109 of 1024 Top 10.5% in 100M-500M tier

126

AMR Growth Rate

growth

Value: 8.93%

Peer Median: 3.53%

#126 of 1024 Top 12.2% in 100M-500M tier

130

Efficiency Ratio

profitability

Value: 63.14%

Peer Median: 77.26%

#130 of 1024 Top 12.6% in 100M-500M tier

146

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.71%

#146 of 1024 Top 14.2% in 100M-500M tier

166

Asset Growth Rate

growth

Value: 8.37%

Peer Median: 4.12%

#166 of 1024 Top 16.1% in 100M-500M tier

193

Total Loans

balance_sheet

Value: $222.60M

Peer Median: $124.04M

#193 of 1024 Top 18.8% in 100M-500M tier

200

Deposit Growth Rate

growth

Value: 7.33%

Peer Median: 3.58%

#200 of 1024 Top 19.4% in 100M-500M tier

205

Total Members

engagement

Value: 20,961

Peer Median: 13,128

#205 of 1024 Top 19.9% in 100M-500M tier

Top Weaknesses (2 metrics)

973

Fee Income Per Member

profitability

Value: $69.07

Peer Median: $159.88

#973 of 1024 Bottom 5.1% in 100M-500M tier

898

Share Certificate Concentration (%)

balance_sheet

Value: 36.46%

Peer Median: 23.39%

#898 of 1024 Bottom 12.4% in 100M-500M tier