BlastPoint's Credit Union Scorecard
ALDERSON FCI
Charter #10520 · WV
ALDERSON FCI has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.50% above tier average
- + Net Interest Margin 1.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 0.4% in tier
- + Net Charge-Off Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 4.94% above tier average
- - Member decline: -3.6% YoY
- - Total Delinquency Rate (60+ days): Bottom 4.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
687
-3.6% YoY-0.7% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$8.4M
+1.8% YoY-1.1% QoQ
|
$-21.7M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$5.1M
-8.3% YoY-5.2% QoQ
|
$-10.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$6.3M
-0.1% YoY-1.9% QoQ
|
$-19.4M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
4.1%
+46.1% YoY+107.4% QoQ
|
+3.5% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 0.7% in tier |
| NIM |
5.1%
+37.8% YoY+66.4% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 12.7% in tier |
| Efficiency Ratio |
18.0%
-19.4% YoY-46.1% QoQ
|
-64.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate |
6.5%
-0.6% YoY+38.7% QoQ
|
+4.9 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 4.1% in tier |
| Loan To Share |
80.9%
-8.2% YoY-3.4% QoQ
|
+20.3% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$16,547
-0.3% YoY-2.7% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
64% |
| CD Concentration | 0.0% | -24.4% | 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)