BlastPoint's Credit Union Scorecard

KEMBA CHARLESTON

Charter #108 · WV

<100M

2508 CUs in <100M nationally 63 in WV

KEMBA CHARLESTON demonstrates 2 strengths

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.39% above tier average
+ Net Charge-Off Rate: Top 9.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	3,420 -0.2% YoY-11.2% QoQ	+743	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	73%
Assets	$45.7M +1.3% YoY+1.7% QoQ	+$15.5M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	74%
Loans	$13.6M -10.0% YoY-3.1% QoQ	$-1.6M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	60%
Deposits	$36.1M +1.2% YoY+2.1% QoQ	+$10.4M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	71%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +28.5% YoY-7.5% QoQ	+0.4%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	46%
NIM	3.0% +11.6% YoY+2.1% QoQ	-1.0%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	18%
Efficiency Ratio	83.5% -2.8% YoY+1.6% QoQ	-7.1%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	0.5% +12.7% YoY-62.0% QoQ	-1.0	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	43%
Loan To Share	37.7% -11.0% YoY-5.1% QoQ	-20.8%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	19%
AMR	$14,555 -2.0% YoY+13.3% QoQ	$-329	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	53%
CD Concentration	24.0% +1.8% YoY+3.3% QoQ	-0.3%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

241

Net Charge-Off Rate

risk

Value: -0.10%

Peer Median: 0.07%

#241 of 2508 Top 9.6% in <100M tier

550

Net Worth Ratio

risk

Value: 20.01%

Peer Median: 14.28%

#550 of 2508 Top 21.9% in <100M tier

609

Members Per Employee (MPE)

engagement

Value: 427.500

Peer Median: 333.750

#609 of 2508 Top 24.2% in <100M tier

Top Weaknesses (3 metrics)

2068

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: 3.83%

#2068 of 2508 Bottom 17.6% in <100M tier

2023

Loan-to-Share Ratio

balance_sheet

Value: 37.75%

Peer Median: 58.72%

#2023 of 2508 Bottom 19.4% in <100M tier

1947

Loan Growth Rate

growth

Value: -10.00%

Peer Median: -2.36%

#1947 of 2508 Bottom 22.4% in <100M tier