BlastPoint's Credit Union Scorecard
ALDERSON FCI
Charter #10520 · WV
ALDERSON FCI has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.50% above tier average
- + Net Interest Margin 0.53% above tier average
- + Efficiency Ratio: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.39% above tier average
- - Member decline: -4.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
670
-4.4% YoY-2.5% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
18% |
| Assets |
$8.6M
+5.5% YoY+2.1% QoQ
|
$-21.6M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$4.8M
-9.3% YoY-5.0% QoQ
|
$-10.4M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
34% |
| Deposits |
$6.4M
+4.9% YoY+2.3% QoQ
|
$-19.4M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
27% |
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| ROA |
3.6%
+79.8% YoY-11.5% QoQ
|
+3.5% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 1.4% in tier |
| NIM |
4.5%
+48.6% YoY-10.7% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
78% |
| Efficiency Ratio |
20.5%
-35.6% YoY+14.1% QoQ
|
-70.1% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 0.4% in tier |
| Delinquency Rate |
8.9%
+78.5% YoY+36.9% QoQ
|
+7.4 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.8% in tier |
| Loan To Share |
75.1%
-13.5% YoY-7.2% QoQ
|
+16.6% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
75% |
| AMR |
$16,809
+2.8% YoY+1.6% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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)