BlastPoint's Credit Union Scorecard
FREDERIKSTED
Charter #8069 · VI
FREDERIKSTED has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.87% above tier average
- + Net Interest Margin 1.76% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 4.3% in tier
- + Member Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.76% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,012
+4.0% YoY+1.2% QoQ
|
+396 |
2,615
-1.9% YoY
|
3,601
+2.7% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$23.9M
+5.5% YoY-1.5% QoQ
|
$-6.2M |
$30.1M
+2.1% YoY
|
$33.3M
+4.2% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$6.9M
-9.9% YoY-3.7% QoQ
|
$-8.9M |
$15.8M
-1.3% YoY
|
$12.9M
+5.2% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$19.9M
+2.3% YoY-2.1% QoQ
|
$-5.8M |
$25.7M
+1.4% YoY
|
$26.7M
+2.3% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
3.5%
+62.6% YoY-10.2% QoQ
|
+2.9% |
0.6%
+10.8% YoY
|
0.6%
-9.0% YoY
|
0.7%
+15.9% YoY
|
Top 0.9% in tier |
| NIM |
5.7%
+12.4% YoY+2.8% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.6%
+11.2% YoY
|
3.8%
+5.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
49.9%
-18.0% YoY+7.3% QoQ
|
-32.7% |
82.6%
-2.3% YoY
|
86.6%
+5.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate |
2.3%
+56.2% YoY-9.3% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
1.5%
+184.0% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
34.6%
-11.9% YoY-1.6% QoQ
|
-26.0% |
60.6%
-3.1% YoY
|
39.1%
+2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 14.3% in tier |
| AMR |
$8,896
-4.9% YoY-3.7% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$9,420
+0.8% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
6.0%
-0.6% YoY+0.6% QoQ
|
-18.4% | 24.4% | 5.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 0.0% | 7.8% | 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)