BlastPoint's Credit Union Scorecard
ARLINGTON COMMUNITY
Charter #7573 · VA
ARLINGTON COMMUNITY has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does VA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 9.5% in tier
- + Organic Growth Engine: Top 9.5% in tier
- + Strong member growth: 5.3% YoY
- + Member Growth Rate: Top 6.6% in tier
- + Loan-to-Member Ratio (LMR): Top 6.6% in tier
- + Average Member Relationship (AMR): Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 5.9% in tier
- - Liquidity Strain: Bottom 11.1% in tier
- - Credit Risk Growth: Bottom 41.1% in tier
- - Credit Quality Pressure: Bottom 51.3% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 16.05% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 0.6% in tier
- - Net Worth Ratio: Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,848
+5.3% YoY+1.5% QoQ
|
-12.2K |
38,079
-4.8% YoY
|
224,534
+5.9% YoY
|
33,913
+5.7% YoY
|
Bottom 10.8% in tier |
| Assets |
$540.7M
+3.2% YoY+0.9% QoQ
|
$-79.0M |
$619.7M
-0.2% YoY
|
$3.0B
+7.5% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$452.4M
+4.8% YoY+0.2% QoQ
|
+$33.0M |
$419.3M
-1.4% YoY
|
$2.1B
+5.8% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$494.1M
+5.4% YoY+1.0% QoQ
|
$-45.3M |
$539.5M
-0.1% YoY
|
$2.6B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
27% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-71.1% YoY-24.4% QoQ
|
-0.5% |
0.7%
+36.0% YoY
|
0.3%
-55.0% YoY
|
0.4%
-39.2% YoY
|
17% |
| NIM |
3.4%
+4.7% YoY+1.5% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
4.0%
+3.3% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
94.4%
+19.2% YoY+9.2% QoQ
|
+16.0% |
78.4%
-3.7% YoY
|
81.9%
+0.2% YoY
|
84.6%
+2.8% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
0.6%
+2.1% YoY+68.0% QoQ
|
-0.1 |
0.7%
-0.9% YoY
|
1.4%
-2.1% YoY
|
1.2%
+3.4% YoY
|
53% |
| Loan To Share |
91.5%
-0.6% YoY-0.8% QoQ
|
+13.9% |
77.7%
-1.2% YoY
|
62.9%
-4.5% YoY
|
65.6%
-1.4% YoY
|
Top 15.0% in tier |
| AMR |
$36,618
-0.2% YoY-0.8% QoQ
|
+$10K |
$26,927
+3.1% YoY
|
$19,100
+3.1% YoY
|
$19,920
+1.6% YoY
|
Top 10.2% in tier |
| CD Concentration |
47.2%
-1.2% YoY+0.8% QoQ
|
+22.9% | 24.3% | 18.0% | 19.8% | Top 2.2% in tier |
| Indirect Auto % |
1.2%
-45.4% YoY-18.7% QoQ
|
-12.6% | 13.8% | 9.4% | 7.7% | 37% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)