BlastPoint's Credit Union Scorecard
ROMNEY
Charter #10301 · WV
ROMNEY has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,600
+4.4% YoY+0.8% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$14.3M
+8.5% YoY+1.5% QoQ
|
$-15.8M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$11.0M
+1.6% YoY+0.2% QoQ
|
$-4.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$13.0M
+8.8% YoY+1.6% QoQ
|
$-12.7M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
1.1%
+109.8% YoY-20.0% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
70% |
| NIM |
4.0%
+9.2% YoY+0.7% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
65.2%
-6.0% YoY-1.9% QoQ
|
-17.4% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
18% |
| Delinquency Rate |
1.2%
-8.4% YoY+24.3% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
84.8%
-6.6% YoY-1.3% QoQ
|
+24.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$15,031
+0.9% YoY+0.1% QoQ
|
+$249 |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
56.8%
+2.0% YoY+1.8% QoQ
|
+32.3% | 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)