BlastPoint's Credit Union Scorecard
CHRISTIANSTED
Charter #7989 · VI
CHRISTIANSTED demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 0.22% above tier average
- + Members Per Employee (MPE): Top 5.4% in tier
- + Efficiency Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 2,437 credit unions with under $100M in assets nationally, and 1 of 5 that size in Virgin Islands.
- Shares and deposits +1.7% year over year ($26.9M in shares and deposits).
- Membership: 3,354 members, -0.8% vs a year ago.
- Delinquency rate 0.23%.
- Return on assets 1.96%.
- Efficiency ratio 53.32% vs a 88.77% peer average.
- Loan-to-share ratio 45.28% vs a 58.89% 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 (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,354
-0.8% YoY+0.1% QoQ
|
+768 |
2,585
-1.7% YoY
|
3,594
+1.2% YoY
|
34,678
+6.6% YoY
|
72% |
| Assets |
$34.0M
+3.2% YoY+0.8% QoQ
|
+$3.7M |
$30.3M
+1.5% YoY
|
$33.5M
+0.6% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$12.2M
+7.8% YoY-0.4% QoQ
|
$-3.3M |
$15.5M
-1.7% YoY
|
$12.8M
+2.7% YoY
|
$418.6M
+10.1% YoY
|
57% |
| Deposits |
$26.9M
+1.7% YoY+0.4% QoQ
|
+$1.1M |
$25.8M
+1.1% YoY
|
$26.8M
-0.7% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
2.0%
+20.5% YoY-1.6% QoQ
|
+0.5% |
1.5%
+241.5% YoY
|
2.1%
+259.2% YoY
|
1.2%
+121.4% YoY
|
Top 10.1% in tier |
| NIM |
4.1%
+12.7% YoY-2.5% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
4.5%
+1.9% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
53.3%
+1.1% YoY+1.8% QoQ
|
-35.5% |
88.8%
-6.9% YoY
|
108.0%
+13.3% YoY
|
83.0%
-5.3% YoY
|
Top 6.3% in tier |
| Delinquency Rate |
0.2%
+11.3% YoY
|
-1.3 |
1.5%
+2.1% YoY
|
2.0%
+126.3% YoY
|
1.3%
+2.6% YoY
|
28% |
| Loan To Share |
45.3%
+5.9% YoY-0.8% QoQ
|
-13.6% |
58.9%
-3.1% YoY
|
39.3%
+6.4% YoY
|
66.4%
-1.4% YoY
|
29% |
| AMR |
$11,653
+4.4% YoY+0.0% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$9,499
-0.7% YoY
|
$20,028
-0.9% YoY
|
37% |
| CD Concentration |
13.9%
-1.4% YoY+0.4% QoQ
|
-10.7% | 24.6% | 4.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 0.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)