BlastPoint's Credit Union Scorecard

HOMEBASE

Charter #7722 · VA

100M-500M

1070 CUs in 100M-500M nationally 24 in VA

HOMEBASE has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

VA Analysis

How does VA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.36% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Member decline: -5.4% YoY
- Member Growth Rate: Bottom 9.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Members	16,140 -5.4% YoY-0.5% QoQ	+994	15,145 -2.5% YoY	224,534 +5.9% YoY	33,913 +5.7% YoY	64%
Assets	$295.0M +3.0% YoY+1.1% QoQ	+$63.3M	$231.7M +0.8% YoY	$3.0B +7.5% YoY	$578.3M +9.0% YoY	73%
Loans	$148.0M -1.1% YoY-1.8% QoQ	+$3.8M	$144.1M +0.2% YoY	$2.1B +5.8% YoY	$402.4M +8.7% YoY	61%
Deposits	$265.7M +1.9% YoY+1.0% QoQ	+$64.5M	$201.1M +0.4% YoY	$2.6B +7.7% YoY	$494.3M +9.1% YoY	74%

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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% +19.1% YoY+10.5% QoQ	+0.4%	0.7% +5.1% YoY	0.3% -55.0% YoY	0.4% -39.2% YoY	74%
NIM	3.5% +1.2% YoY-1.3% QoQ	-0.1%	3.6% +4.6% YoY	4.0% +3.3% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	72.6% -4.9% YoY-5.5% QoQ	-5.4%	78.0% -1.7% YoY	81.9% +0.2% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	0.7% -25.7% YoY-22.5% QoQ	-0.1	0.8% +7.1% YoY	1.4% -2.1% YoY	1.2% +3.4% YoY	56%
Loan To Share	55.7% -3.0% YoY-2.8% QoQ	-14.7%	70.4% -0.4% YoY	62.9% -4.5% YoY	65.6% -1.4% YoY	19%
AMR	$25,630 +6.5% YoY+0.5% QoQ	+$712	$24,918 +2.7% YoY	$19,100 +3.1% YoY	$19,920 +1.6% YoY	65%
CD Concentration	22.4% +13.5% YoY+0.8% QoQ	-1.8%	24.3%	18.0%	19.8%	50%
Indirect Auto %	28.5% -1.9% YoY+0.7% QoQ	+14.7%	13.8%	9.4%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#325 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): 6.55%

(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

Concerns (4)

Membership Headwinds

decline

#115 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#124 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.14%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.68%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#99 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $294.97M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -5.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -1.14%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Indirect Auto Dependency

risk

#204 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.98%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 28.46%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -5.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

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 (2 metrics)

206

Fee Income Per Member

profitability

Value: $217.00

Peer Median: $154.95

#206 of 1070 Top 19.2% in 100M-500M tier

251

AMR Growth Rate

growth

Value: 6.55%

Peer Median: 3.46%

#251 of 1070 Top 23.4% in 100M-500M tier

Top Weaknesses (4 metrics)

973

Member Growth Rate

growth

Value: -5.40%

Peer Median: -0.06%

#973 of 1070 Bottom 9.2% in 100M-500M tier

886

Indirect Auto Concentration (%)

balance_sheet

Value: 28.46%

Peer Median: 6.61%

#886 of 1070 Bottom 17.3% in 100M-500M tier

865

Loan-to-Share Ratio

balance_sheet

Value: 55.70%

Peer Median: 71.88%

#865 of 1070 Bottom 19.3% in 100M-500M tier

818

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: 0.35%

#818 of 1070 Bottom 23.6% in 100M-500M tier