BlastPoint's Credit Union Scorecard
KEMBA CHARLESTON
Charter #108 · WV
KEMBA CHARLESTON has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 8.4% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 4.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - AMR Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,922
+8.4% YoY+15.4% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
78% |
| Assets |
$45.0M
+1.8% YoY+0.2% QoQ
|
+$15.1M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$14.7M
-10.3% YoY-0.8% QoQ
|
$-1.1M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
61% |
| Deposits |
$35.4M
+1.7% YoY-0.1% QoQ
|
+$10.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
71% |
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| ROA |
0.7%
-32.0% YoY+28.5% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
2.9%
-8.9% YoY+2.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.2% in tier |
| Efficiency Ratio |
79.7%
+11.3% YoY-4.7% QoQ
|
-1.7% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
1.2%
+40.7% YoY-0.5% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
41.6%
-11.8% YoY-0.7% QoQ
|
-19.7% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
21% |
| AMR |
$12,779
-9.7% YoY-13.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
23.7%
+6.0% YoY+3.2% QoQ
|
-0.7% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)