BlastPoint's Credit Union Scorecard
MORGANTOWN A E S
Charter #10695 · WV
MORGANTOWN A E S has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Net Charge-Off Rate: Top 3.7% in tier
- + Members Per Employee (MPE): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.9% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,183
-2.9% YoY-1.0% QoQ
|
+1.5K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$37.9M
-3.0% YoY-0.8% QoQ
|
+$7.7M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
67% |
| Loans |
$19.7M
-7.1% YoY-1.2% QoQ
|
+$4.4M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$34.0M
-4.5% YoY-1.5% QoQ
|
+$8.3M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
0.1%
-77.6% YoY-85.4% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
4.4%
+10.8% YoY-0.4% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
87.0%
+12.1% YoY+6.6% QoQ
|
-3.7% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.7%
-39.6% YoY-15.5% QoQ
|
-0.8 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
51% |
| Loan To Share |
57.8%
-2.7% YoY+0.3% QoQ
|
-0.7% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
49% |
| AMR |
$12,843
-2.6% YoY-0.4% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
0.0%
-100.0% YoY-100.0% QoQ
|
-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)