BlastPoint's Credit Union Scorecard

ARLINGTON COMMUNITY

Charter #7573 · VA

Community 500M-750M

165 CUs in 500M-750M nationally 6 in VA

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ARLINGTON COMMUNITY has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 9.9% in tier
+ Organic Growth Engine: Top 9.9% in tier
+ Strong member growth: 5.1% YoY
+ Loan-to-Member Ratio (LMR): Top 7.3% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 8.4% in tier
- Efficiency Drag: Bottom 13.3% in tier
- Shrinking Wallet Share: Bottom 86.6% in tier
- ROA 0.59% below tier average
- Efficiency ratio 12.16% above tier (higher cost structure)
- Share Certificate Concentration (%): Bottom 0.6% in tier
- Net Worth Ratio: Bottom 6.1% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 6 that size in Virginia.
Shares and deposits +3.4% year over year ($490M in shares and deposits).
Membership: 26,132 members, +5.1% vs a year ago.
Delinquency rate 0.44%.
Return on assets 0.22%.
Efficiency ratio 88.72% vs a 76.56% peer average.
Loan-to-share ratio 94.55% vs a 79.33% 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	26,132 +5.1% YoY+1.1% QoQ	-11.8K	37,897 -5.0% YoY	226,164 +4.4% YoY	34,678 +6.6% YoY	Bottom 10.9% in tier
Assets	$537.8M +1.6% YoY-0.5% QoQ	$-84.6M	$622.4M +0.6% YoY	$3.0B +6.1% YoY	$593.1M +10.2% YoY	18%
Loans	$463.5M +4.1% YoY+2.5% QoQ	+$35.0M	$428.5M -0.7% YoY	$2.2B +5.0% YoY	$418.6M +10.1% YoY	63%
Deposits	$490.2M +3.4% YoY-0.8% QoQ	$-49.6M	$539.8M +0.9% YoY	$2.6B +6.5% YoY	$504.8M +10.3% YoY	27%

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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	0.2% -26.7% YoY+15.5% QoQ	-0.6%	0.8% +39.5% YoY	1.1% +69.8% YoY	1.2% +121.4% YoY	Bottom 9.1% in tier
NIM	3.5% +6.9% YoY+2.2% QoQ	+0.0%	3.5% +5.0% YoY	3.9% +0.9% YoY	3.8% +2.3% YoY	47%
Efficiency Ratio	88.7% +8.6% YoY-6.0% QoQ	+12.2%	76.6% -3.6% YoY	79.7% -1.2% YoY	83.0% -5.3% YoY	Bottom 9.1% in tier
Delinquency Rate	0.4% -33.4% YoY-32.2% QoQ	-0.4	0.8% +3.1% YoY	1.5% -1.1% YoY	1.3% +2.6% YoY	23%
Loan To Share	94.6% +0.7% YoY+3.3% QoQ	+15.2%	79.3% -1.4% YoY	64.2% -3.9% YoY	66.4% -1.4% YoY	Top 13.9% in tier
AMR	$36,493 -1.3% YoY-0.3% QoQ	+$9K	$27,294 +4.1% YoY	$18,993 +1.8% YoY	$20,028 -0.9% YoY	Top 10.9% in tier
CD Concentration	47.2% -1.9% YoY+0.0% QoQ	+22.6%	24.6%	18.0%	20.0%	Top 2.6% in tier
Indirect Auto %	0.1% -96.7% YoY-94.8% QoQ	-13.6%	13.6%	9.3%	7.7%	31%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#67 of 342 • Top 9.9% in tier

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

Why This Signature

Member Growth (YoY): 5.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.06%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Organic Growth Engine

growth

#209 of 344 • Top 9.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 5.09%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.22%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 0.06%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Concerns (3)

Efficiency Drag

risk

#178 of 531 • Bottom 13.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 88.72%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.08% points

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

worse than tier avg

Member Growth (YoY): 5.09%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Liquidity Strain

risk

#124 of 224 • Bottom 8.4% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.55%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 4.11%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 276 Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#174 of 223 • Bottom 86.6% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.29%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 276 Community CUs have this signature | 308 nationally

↓ Shrinking -61 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 165 peers in tier

Top Strengths (6 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $17,736

Peer Median: $11,477

#13 of 165 Top 7.3% in 500M-750M tier

Member Growth Rate

growth

Value: 5.09%

Peer Median: 0.59%

#18 of 165 Top 10.3% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $36,493

Peer Median: $25,725

#18 of 165 Top 10.3% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 94.55%

Peer Median: 81.50%

#23 of 165 Top 13.3% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.06%

Peer Median: 9.93%

#34 of 165 Top 20.0% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.44%

Peer Median: 0.70%

#39 of 165 Top 23.0% in 500M-750M tier

Top Weaknesses (7 metrics)

165

Share Certificate Concentration (%)

balance_sheet

Value: 47.17%

Peer Median: 26.69%

#165 of 165 Bottom 0.6% in 500M-750M tier

156

Net Worth Ratio

risk

Value: 7.95%

Peer Median: 10.42%

#156 of 165 Bottom 6.1% in 500M-750M tier

151

Efficiency Ratio

profitability

Value: 88.72%

Peer Median: 77.45%

#151 of 165 Bottom 9.1% in 500M-750M tier

150

Return on Assets (ROA)

profitability

Value: 0.22%

Peer Median: 0.74%

#150 of 165 Bottom 9.7% in 500M-750M tier

147

Total Members

engagement

Value: 26,132

Peer Median: 36,716

#147 of 165 Bottom 11.5% in 500M-750M tier

140

AMR Growth Rate

growth

Value: -1.29%

Peer Median: 3.83%

#140 of 165 Bottom 15.8% in 500M-750M tier

136

Total Assets

balance_sheet

Value: $537.77M

Peer Median: $621.76M

#136 of 165 Bottom 18.2% in 500M-750M tier