BlastPoint's Credit Union Scorecard

CHRISTIANSTED

Charter #7989 · VI

<100M

2508 CUs in <100M nationally 5 in VI

CHRISTIANSTED demonstrates 5 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 1.85% above tier average
+ Net Interest Margin 0.21% above tier average
+ Members Per Employee (MPE): Top 5.3% in tier
+ Efficiency Ratio: Top 5.8% in tier
+ Loan Growth Rate: Top 9.9% 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	3,351 -0.9% YoY-0.9% QoQ	+674	2,676 +1.6% YoY	3,610 +2.2% YoY	33,913 +5.7% YoY	72%
Assets	$33.7M +2.4% YoY+0.6% QoQ	+$3.5M	$30.2M +1.3% YoY	$33.4M +0.9% YoY	$578.3M +9.0% YoY	63%
Loans	$12.2M +10.1% YoY+1.0% QoQ	$-3.0M	$15.3M -2.0% YoY	$12.8M +3.9% YoY	$402.4M +8.7% YoY	57%
Deposits	$26.8M +0.7% YoY+0.2% QoQ	+$1.0M	$25.8M +0.7% YoY	$26.8M -0.4% YoY	$494.3M +9.1% YoY	61%

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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	2.0% +56.2% YoY+22.2% QoQ	+1.8%	0.1% -77.6% YoY	-0.5% -185.7% YoY	0.4% -39.2% YoY	Top 6.5% in tier
NIM	4.2% +23.6% YoY+12.6% QoQ	+0.2%	4.0% +4.0% YoY	4.5% +3.8% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	52.4% -8.7% YoY-0.9% QoQ	-38.3%	90.6% +6.5% YoY	115.0% +7.5% YoY	84.6% +2.8% YoY	Top 5.8% in tier
Delinquency Rate	0.0% -88.4% YoY	-1.5	1.5% +3.8% YoY	1.9% +70.9% YoY	1.2% +3.4% YoY	Top 14.6% in tier
Loan To Share	45.7% +9.3% YoY+0.8% QoQ	-12.8%	58.5% -3.0% YoY	38.4% +5.5% YoY	65.6% -1.4% YoY	30%
AMR	$11,649 +4.4% YoY+1.3% QoQ	$-3K	$14,884 -1.7% YoY	$9,448 -0.8% YoY	$19,920 +1.6% YoY	37%
CD Concentration	13.8% -2.4% YoY-5.7% QoQ	-10.4%	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 (8 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

135

Members Per Employee (MPE)

engagement

Value: 670.200

Peer Median: 333.750

#135 of 2508 Top 5.3% in <100M tier

147

Efficiency Ratio

profitability

Value: 52.37%

Peer Median: 81.45%

#147 of 2508 Top 5.8% in <100M tier

164

Return on Assets (ROA)

profitability

Value: 2.00%

Peer Median: 0.61%

#164 of 2508 Top 6.5% in <100M tier

250

Loan Growth Rate

growth

Value: 10.07%

Peer Median: -2.36%

#250 of 2508 Top 9.9% in <100M tier

368

Total Delinquency Rate (60+ days)

risk

Value: 0.02%

Peer Median: 0.65%

#368 of 2508 Top 14.6% in <100M tier

530

Net Worth Ratio

risk

Value: 20.31%

Peer Median: 14.28%

#530 of 2508 Top 21.1% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available