BlastPoint's Credit Union Scorecard
WEST BRANCH VALLEY
Charter #7821 · PA
WEST BRANCH VALLEY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 4.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,572
-1.1% YoY-1.5% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$49.5M
+1.0% YoY+0.4% QoQ
|
+$19.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$30.7M
+17.9% YoY+1.9% QoQ
|
+$14.9M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$44.7M
-0.3% YoY+1.0% QoQ
|
+$19.0M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.7%
+35.3% YoY+5.9% QoQ
|
+0.0% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
48% |
| NIM |
3.8%
+9.2% YoY+0.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
77.2%
-4.3% YoY+0.2% QoQ
|
-5.4% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
0.2%
-76.5% YoY-56.3% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
68.6%
+18.3% YoY+0.9% QoQ
|
+8.0% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
62% |
| AMR |
$16,480
+7.5% YoY+2.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration |
11.1%
+4.4% YoY+8.1% QoQ
|
-13.3% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)