BlastPoint's Credit Union Scorecard

VAPR

Charter #6918 · PR

100M-500M

1070 CUs in 100M-500M nationally 2 in PR

VAPR has 8 strengths but faces 2 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 0.41% above tier average
+ Net Interest Margin 0.47% above tier average
+ Loan Growth Rate: Top 2.4% in tier
+ Total Delinquency Rate (60+ days): Top 3.6% in tier
+ AMR Growth Rate: Top 7.3% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 8.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PR)	National Avg	Tier Percentile
Members	20,707 +2.3% YoY+0.6% QoQ	+5.6K	15,145 -2.5% YoY	27,089 +2.0% YoY	33,913 +5.7% YoY	79%
Assets	$310.6M +8.3% YoY+1.9% QoQ	+$78.9M	$231.7M +0.8% YoY	$322.7M +4.5% YoY	$578.3M +9.0% YoY	75%
Loans	$212.3M +22.4% YoY+4.2% QoQ	+$68.2M	$144.1M +0.2% YoY	$240.3M +9.3% YoY	$402.4M +8.7% YoY	80%
Deposits	$278.8M +7.4% YoY+1.7% QoQ	+$77.7M	$201.1M +0.4% YoY	$283.4M +2.9% YoY	$494.3M +9.1% YoY	77%

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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	1.1% -16.8% YoY+11.8% QoQ	+0.4%	0.7% +5.1% YoY	1.4% +162.1% YoY	0.4% -39.2% YoY	77%
NIM	4.1% +3.3% YoY+2.9% QoQ	+0.5%	3.6% +4.6% YoY	4.9% +1.1% YoY	3.8% +4.1% YoY	79%
Efficiency Ratio	59.2% -5.4% YoY-3.4% QoQ	-18.8%	78.0% -1.7% YoY	59.5% -3.3% YoY	84.6% +2.8% YoY	Top 7.7% in tier
Delinquency Rate	0.1% -58.6% YoY-64.8% QoQ	-0.7	0.8% +7.1% YoY	0.5% -8.0% YoY	1.2% +3.4% YoY	Top 3.6% in tier
Loan To Share	76.2% +14.0% YoY+2.5% QoQ	+5.7%	70.4% -0.4% YoY	79.2% +1.3% YoY	65.6% -1.4% YoY	58%
AMR	$23,720 +10.8% YoY+2.2% QoQ	$-1K	$24,918 +2.7% YoY	$15,670 +4.5% YoY	$19,920 +1.6% YoY	55%
CD Concentration	35.2% +10.3% YoY+0.4% QoQ	+10.9%	24.3%	27.3%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.0%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#100 of 491 • 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): 10.82%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Organic Growth Engine

growth

#120 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.14%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#207 of 371 • 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): 2.31%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (1)

Margin Compression

decline

#48 of 133 • 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: 1.14%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.36%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.23% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | 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 1070 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 22.39%

Peer Median: 2.93%

#27 of 1070 Top 2.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.61%

#40 of 1070 Top 3.6% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.82%

Peer Median: 3.46%

#79 of 1070 Top 7.3% in 100M-500M tier

Efficiency Ratio

profitability

Value: 59.20%

Peer Median: 78.68%

#83 of 1070 Top 7.7% in 100M-500M tier

115

First Mortgage Concentration (%)

balance_sheet

Value: 8.43%

Peer Median: 29.47%

#115 of 1070 Top 10.7% in 100M-500M tier

169

Asset Growth Rate

growth

Value: 8.29%

Peer Median: 3.91%

#169 of 1070 Top 15.7% in 100M-500M tier

217

Deposit Growth Rate

growth

Value: 7.35%

Peer Median: 3.30%

#217 of 1070 Top 20.2% in 100M-500M tier

217

Total Loans

balance_sheet

Value: $212.34M

Peer Median: $121.41M

#217 of 1070 Top 20.2% in 100M-500M tier

227

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Median: 3.62%

#227 of 1070 Top 21.1% in 100M-500M tier

Top Weaknesses (2 metrics)

983

Fee Income Per Member

profitability

Value: $73.05

Peer Median: $154.95

#983 of 1070 Bottom 8.2% in 100M-500M tier

927

Share Certificate Concentration (%)

balance_sheet

Value: 35.18%

Peer Median: 23.10%

#927 of 1070 Bottom 13.5% in 100M-500M tier