BlastPoint's Credit Union Scorecard
ARLINGTON COMMUNITY
Charter #7573 · VA
ARLINGTON COMMUNITY has 7 strengths but faces 7 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 17.9% in tier
- + Organic Growth Engine: Top 59.1% in tier
- + Relationship Depth Leader: Top 71.2% in tier
- + Strong member growth: 5.3% YoY
- + Member Growth Rate: Top 6.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.3% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 37.8% in tier
- - Liquidity Strain: Bottom 60.8% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 8.93% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 1.2% in tier
- - Net Worth Ratio: Bottom 5.5% in tier
- - Total Members: Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,469
+5.3% YoY+1.3% QoQ
|
-13.1K |
38,575
-4.8% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
Bottom 7.9% in tier |
| Assets |
$535.7M
+4.7% YoY+1.5% QoQ
|
$-86.0M |
$621.7M
+0.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
16% |
| Loans |
$451.3M
+9.1% YoY+1.8% QoQ
|
+$21.5M |
$429.8M
-1.8% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
58% |
| Deposits |
$489.2M
+8.9% YoY+2.5% QoQ
|
$-49.5M |
$538.7M
+0.6% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.3%
-11.6% YoY-3.6% QoQ
|
-0.4% |
0.7%
+42.9% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.4%
+1.4% YoY+0.9% QoQ
|
-0.1% |
3.4%
+8.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
42% |
| Efficiency Ratio |
86.4%
+1.3% YoY+1.7% QoQ
|
+8.9% |
77.5%
-4.1% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
84% |
| Delinquency Rate |
0.4%
-40.6% YoY-31.2% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
19% |
| Loan To Share |
92.3%
+0.2% YoY-0.7% QoQ
|
+12.4% |
79.8%
-2.3% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$36,928
+3.5% YoY+0.8% QoQ
|
+$10K |
$26,849
+2.7% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 9.1% in tier |
| CD Concentration |
46.8%
-0.4% YoY-3.7% QoQ
|
+22.3% | 24.4% | 18.3% | 19.8% | Top 2.7% in tier |
| Indirect Auto % |
1.5%
+272.0% YoY-12.6% QoQ
|
-12.3% | 13.8% | 9.6% | 7.8% | 38% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
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.
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)