BlastPoint's Credit Union Scorecard
ONE COMMUNITY
Charter #12143 · WV
ONE COMMUNITY has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Emerging Performer: Top 50.0% in tier
- + Net Interest Margin 1.06% above tier average
- + Share Certificate Concentration (%): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.12% below tier average
- - Delinquency rate 0.27% above tier average
- - Deposit Growth Rate: Bottom 0.2% in tier
- - Asset Growth Rate: Bottom 0.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in West Virginia.
- Shares and deposits -13.4% year over year ($89.3M in shares and deposits).
- Membership: 8,366 members, +1.0% vs a year ago.
- Delinquency rate 1.15%.
- Return on assets 0.75%.
- Efficiency ratio 76.32% vs a 76.73% peer average.
- Loan-to-share ratio 83.47% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,366
+1.0% YoY+0.2% QoQ
|
-6.8K |
15,168
-2.6% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$100.9M
-12.1% YoY+0.2% QoQ
|
$-131.1M |
$232.0M
+0.7% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.5% in tier |
| Loans |
$74.5M
-2.8% YoY+3.2% QoQ
|
$-71.7M |
$146.3M
+0.2% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$89.3M
-13.4% YoY-0.3% QoQ
|
$-111.4M |
$200.7M
+0.2% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.6% in tier |
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| ROA |
0.7%
-208.4% YoY+94.2% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
4.7%
+23.3% YoY+0.6% QoQ
|
+1.1% |
3.7%
+4.5% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 6.7% in tier |
| Efficiency Ratio |
76.3%
-9.5% YoY-3.0% QoQ
|
-0.4% |
76.7%
-0.8% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
1.1%
+69.0% YoY+33.4% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
83.5%
+12.3% YoY+3.5% QoQ
|
+11.9% |
71.5%
-0.3% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$19,580
-9.8% YoY+1.1% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
29% |
| CD Concentration |
8.4%
-65.3% YoY-3.2% QoQ
|
-16.2% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % |
31.4%
-18.7% YoY-3.4% QoQ
|
+17.8% | 13.6% | 1.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)