BlastPoint's Credit Union Scorecard

ST. THOMAS

Charter #7970 · VI

<100M

2508 CUs in <100M nationally 5 in VI

ST. THOMAS demonstrates 6 strengths

National Analysis

How does the industry compare?

VI Analysis

How does VI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.94% above tier average
+ Net Interest Margin 1.25% above tier average
+ Total Members: Top 2.0% in tier
+ Total Assets: Top 4.2% in tier
+ Total Deposits: Top 6.8% in tier
+ Total Loans: Top 9.7% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VI)	National Avg	Tier Percentile
Members	8,995 +3.6% YoY+1.0% QoQ	+6.3K	2,676 +1.6% YoY	3,610 +2.2% YoY	33,913 +5.7% YoY	Top 2.0% in tier
Assets	$89.1M +0.7% YoY-0.3% QoQ	+$58.9M	$30.2M +1.3% YoY	$33.4M +0.9% YoY	$578.3M +9.0% YoY	Top 4.2% in tier
Loans	$39.5M +3.1% YoY-1.3% QoQ	+$24.3M	$15.3M -2.0% YoY	$12.8M +3.9% YoY	$402.4M +8.7% YoY	Top 9.8% in tier
Deposits	$69.8M +0.3% YoY+0.5% QoQ	+$44.0M	$25.8M +0.7% YoY	$26.8M -0.4% YoY	$494.3M +9.1% YoY	Top 6.9% in tier

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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% -161.1% YoY	+0.9%	0.1% -77.6% YoY	-0.5% -185.7% YoY	0.4% -39.2% YoY	72%
NIM	5.3% +6.8% YoY+4.1% QoQ	+1.3%	4.0% +4.0% YoY	4.5% +3.8% YoY	3.8% +4.1% YoY	Top 8.4% in tier
Efficiency Ratio	72.0% -52.0% YoY-14.9% QoQ	-18.6%	90.6% +6.5% YoY	115.0% +7.5% YoY	84.6% +2.8% YoY	29%
Delinquency Rate	1.2% +217.8% YoY+22.4% QoQ	-0.4	1.5% +3.8% YoY	1.9% +70.9% YoY	1.2% +3.4% YoY	67%
Loan To Share	56.6% +2.8% YoY-1.8% QoQ	-1.9%	58.5% -3.0% YoY	38.4% +5.5% YoY	65.6% -1.4% YoY	47%
AMR	$12,157 -2.2% YoY-1.1% QoQ	$-3K	$14,884 -1.7% YoY	$9,448 -0.8% YoY	$19,920 +1.6% YoY	40%
CD Concentration	4.6% +14.5% YoY+8.5% QoQ	-19.7%	24.3%	4.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	0.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

Total Members

engagement

Value: 8,995

Peer Median: 1,918

#50 of 2508 Top 2.0% in <100M tier

106

Total Assets

balance_sheet

Value: $89.08M

Peer Median: $21.86M

#106 of 2508 Top 4.2% in <100M tier

172

Total Deposits

balance_sheet

Value: $69.82M

Peer Median: $18.77M

#172 of 2508 Top 6.8% in <100M tier

211

Net Interest Margin (NIM)

profitability

Value: 5.26%

Peer Median: 3.83%

#211 of 2508 Top 8.4% in <100M tier

245

Total Loans

balance_sheet

Value: $39.54M

Peer Median: $9.48M

#245 of 2508 Top 9.7% in <100M tier

255

Member Growth Rate

growth

Value: 3.56%

Peer Median: -1.37%

#255 of 2508 Top 10.1% in <100M tier

324

Net Worth Ratio

risk

Value: 23.71%

Peer Median: 14.28%

#324 of 2508 Top 12.9% in <100M tier

520

Members Per Employee (MPE)

engagement

Value: 449.750

Peer Median: 333.750

#520 of 2508 Top 20.7% in <100M tier

Top Weaknesses (1 metrics)

2243

Net Charge-Off Rate

risk

Value: 1.28%

Peer Median: 0.07%

#2243 of 2508 Bottom 10.6% in <100M tier