BlastPoint's Credit Union Scorecard

FREDERIKSTED

Charter #8069 · VI

<100M

2508 CUs in <100M nationally 5 in VI

FREDERIKSTED has 2 strengths but faces 2 concerns

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 1.83% above tier average
+ Net Interest Margin 1.35% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.86% above tier average
- Net Charge-Off Rate: Bottom 10.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VI)	National Avg	Tier Percentile
Members	2,982 +1.8% YoY-1.0% QoQ	+305	2,676 +1.6% YoY	3,610 +2.2% YoY	33,913 +5.7% YoY	68%
Assets	$24.4M +1.3% YoY+1.9% QoQ	$-5.8M	$30.2M +1.3% YoY	$33.4M +0.9% YoY	$578.3M +9.0% YoY	53%
Loans	$6.5M -11.5% YoY-5.7% QoQ	$-8.8M	$15.3M -2.0% YoY	$12.8M +3.9% YoY	$402.4M +8.7% YoY	41%
Deposits	$20.0M -2.6% YoY+0.3% QoQ	$-5.8M	$25.8M +0.7% YoY	$26.8M -0.4% YoY	$494.3M +9.1% YoY	52%

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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% -67.7% YoY-43.2% QoQ	+1.8%	0.1% -77.6% YoY	-0.5% -185.7% YoY	0.4% -39.2% YoY	Top 6.7% in tier
NIM	5.4% -3.1% YoY-6.2% QoQ	+1.4%	4.0% +4.0% YoY	4.5% +3.8% YoY	3.8% +4.1% YoY	Top 7.3% in tier
Efficiency Ratio	67.0% +83.3% YoY+34.4% QoQ	-23.6%	90.6% +6.5% YoY	115.0% +7.5% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	2.4% +162.9% YoY+2.5% QoQ	+0.9	1.5% +3.8% YoY	1.9% +70.9% YoY	1.2% +3.4% YoY	85%
Loan To Share	32.6% -9.1% YoY-6.0% QoQ	-25.9%	58.5% -3.0% YoY	38.4% +5.5% YoY	65.6% -1.4% YoY	Bottom 14.0% in tier
AMR	$8,874 -6.6% YoY-0.2% QoQ	$-6K	$14,884 -1.7% YoY	$9,448 -0.8% YoY	$19,920 +1.6% YoY	22%
CD Concentration	5.8% +0.3% YoY-3.5% QoQ	-18.4%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

169

Return on Assets (ROA)

profitability

Value: 1.98%

Peer Median: 0.61%

#169 of 2508 Top 6.7% in <100M tier

184

Net Interest Margin (NIM)

profitability

Value: 5.36%

Peer Median: 3.83%

#184 of 2508 Top 7.3% in <100M tier

453

Member Growth Rate

growth

Value: 1.81%

Peer Median: -1.37%

#453 of 2508 Top 18.0% in <100M tier

524

Efficiency Ratio

profitability

Value: 67.00%

Peer Median: 81.45%

#524 of 2508 Top 20.9% in <100M tier

Top Weaknesses (7 metrics)

2259

Net Charge-Off Rate

risk

Value: 1.37%

Peer Median: 0.07%

#2259 of 2508 Bottom 10.0% in <100M tier

2195

AMR Growth Rate

growth

Value: -6.64%

Peer Median: 1.27%

#2195 of 2508 Bottom 12.5% in <100M tier

2156

Loan-to-Share Ratio

balance_sheet

Value: 32.56%

Peer Median: 58.72%

#2156 of 2508 Bottom 14.1% in <100M tier

2123

Total Delinquency Rate (60+ days)

risk

Value: 2.37%

Peer Median: 0.65%

#2123 of 2508 Bottom 15.4% in <100M tier

2111

Loan-to-Member Ratio (LMR)

engagement

Value: $2,180

Peer Median: $4,923

#2111 of 2508 Bottom 15.9% in <100M tier

2036

Loan Growth Rate

growth

Value: -11.47%

Peer Median: -2.36%

#2036 of 2508 Bottom 18.9% in <100M tier

1943

Average Member Relationship (AMR)

engagement

Value: $8,874

Peer Median: $13,926

#1943 of 2508 Bottom 22.6% in <100M tier