BlastPoint's Credit Union Scorecard
VAPR
Charter #6918 · PR
VAPR demonstrates 10 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 14.1% in tier
- + Organic Growth Engine: Top 20.2% in tier
- + Organic Growth Leader: Top 35.3% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.38% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.3% in tier
- + AMR Growth Rate: Top 5.1% in tier
- + Efficiency Ratio: Top 8.4% in tier
- + Total Delinquency Rate (60+ days): Top 8.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,593
+3.5% YoY+0.1% QoQ
|
+5.2K |
15,437
-2.9% YoY
|
27,501
+5.6% YoY
|
33,374
+5.7% YoY
|
77% |
| Assets |
$304.9M
+10.0% YoY+2.2% QoQ
|
+$73.1M |
$231.9M
+1.3% YoY
|
$313.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$203.7M
+32.4% YoY+4.0% QoQ
|
+$56.4M |
$147.3M
-0.1% YoY
|
$238.4M
+13.7% YoY
|
$397.0M
+8.8% YoY
|
76% |
| Deposits |
$274.2M
+8.4% YoY+1.8% QoQ
|
+$73.4M |
$200.8M
+0.8% YoY
|
$276.6M
+2.7% YoY
|
$477.3M
+9.7% YoY
|
76% |
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| ROA |
1.0%
+18.2% YoY-12.2% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
1.0%
+66.7% YoY
|
0.7%
+15.9% YoY
|
69% |
| NIM |
4.0%
+4.0% YoY+0.2% QoQ
|
+0.4% |
3.6%
+6.7% YoY
|
5.1%
+10.7% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
61.3%
-5.4% YoY+2.3% QoQ
|
-15.7% |
77.0%
-3.1% YoY
|
59.3%
-5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 8.4% in tier |
| Delinquency Rate |
0.2%
-52.6% YoY+14.4% QoQ
|
-0.7 |
0.9%
+4.2% YoY
|
0.5%
-36.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.4% in tier |
| Loan To Share |
74.3%
+22.1% YoY+2.1% QoQ
|
+2.1% |
72.2%
-1.1% YoY
|
83.1%
+7.4% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$23,207
+13.5% YoY+2.6% QoQ
|
$-1K |
$24,676
+3.4% YoY
|
$15,130
+2.8% YoY
|
$19,687
+2.0% YoY
|
53% |
| CD Concentration |
35.0%
+14.3% YoY+2.3% QoQ
|
+10.6% | 24.4% | 27.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
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)