BlastPoint's Credit Union Scorecard
VAPR
Charter #6918 · PR
VAPR demonstrates 12 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 5.5% in tier
- + Organic Growth Leader: Top 9.8% in tier
- + Wallet Share Momentum: Top 10.2% in tier
- + Credit Quality Leader: Top 27.4% in tier
- + Profitability Leader: Top 90.0% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 0.40% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.7% in tier
- + AMR Growth Rate: Top 3.7% in tier
- + Total Delinquency Rate (60+ days): Top 7.7% in tier
- + Efficiency Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,568
+3.7% YoY0% QoQ
|
+4.9K |
15,628
-3.4% YoY
|
27,493
+32.9% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$298.2M
+9.7% YoY+2.4% QoQ
|
+$66.9M |
$231.3M
-0.0% YoY
|
$309.3M
+29.1% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$196.0M
+34.6% YoY+2.2% QoQ
|
+$48.2M |
$147.8M
-1.4% YoY
|
$237.2M
+42.6% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$269.3M
+9.1% YoY+2.2% QoQ
|
+$69.0M |
$200.3M
-0.0% YoY
|
$275.0M
+28.7% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
1.2%
+34.7% YoY-23.3% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.9%
+59.4% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
4.0%
+2.2% YoY-0.3% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
5.0%
+16.0% YoY
|
3.7%
+5.0% YoY
|
72% |
| Efficiency Ratio |
59.9%
-9.2% YoY+4.8% QoQ
|
-17.4% |
77.3%
-3.0% YoY
|
59.3%
-20.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.3% in tier |
| Delinquency Rate |
0.1%
-31.0% YoY-24.6% QoQ
|
-0.7 |
0.9%
+7.6% YoY
|
1.3%
+60.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 7.7% in tier |
| Loan To Share |
72.8%
+23.4% YoY+0.0% QoQ
|
+0.1% |
72.7%
-1.5% YoY
|
82.4%
+18.0% YoY
|
68.0%
-1.7% YoY
|
46% |
| AMR |
$22,621
+14.4% YoY+2.2% QoQ
|
$-2K |
$24,363
+2.9% YoY
|
$15,116
+8.6% YoY
|
$19,418
+1.3% YoY
|
51% |
| CD Concentration |
34.3%
+14.4% YoY+3.2% QoQ
|
+9.8% |
24.4%
+4.2% YoY
|
27.0%
+23.6% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
0.0% |
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
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.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
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)