BlastPoint's Credit Union Scorecard
NATIONAL EMPLOYEES
Charter #5713 · WV
NATIONAL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.29% below tier average
- - Efficiency ratio 9.46% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,016
+1.1% YoY+0.5% QoQ
|
+400 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
68% |
| Assets |
$14.1M
-4.6% YoY-1.7% QoQ
|
$-16.0M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$8.7M
+4.3% YoY-2.2% QoQ
|
$-7.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$12.1M
-5.6% YoY-2.0% QoQ
|
$-13.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
40% |
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| ROA |
0.3%
+7.9% YoY-17.8% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
4.5%
+6.0% YoY-1.9% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
72% |
| Efficiency Ratio |
92.0%
+5.1% YoY+0.6% QoQ
|
+9.5% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.8%
-46.2% YoY-45.9% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
71.8%
+10.5% YoY-0.2% QoQ
|
+11.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$6,906
-2.8% YoY-2.6% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 14.6% in tier |
| CD Concentration |
10.1%
-26.6% YoY-9.7% QoQ
|
-14.3% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)