BlastPoint's Credit Union Scorecard

ONE COMMUNITY

Charter #12143 · WV

100M-500M

1070 CUs in 100M-500M nationally 8 in WV

ONE COMMUNITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 1.09% above tier average
+ Share Certificate Concentration (%): Top 8.4% in tier

Key Concerns

Areas that may need attention

- Shrinking Wallet Share: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.34% below tier average
- Efficiency ratio 0.62% above tier (higher cost structure)
- Delinquency rate 0.09% above tier average
- Asset Growth Rate: Bottom 0.5% in tier
- Deposit Growth Rate: Bottom 0.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	8,348 +1.5% YoY-0.3% QoQ	-6.8K	15,145 -2.5% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	21%
Assets	$100.8M -14.5% YoY-1.9% QoQ	$-130.9M	$231.7M +0.8% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	Bottom 0.7% in tier
Loans	$72.2M -7.7% YoY-1.7% QoQ	$-72.0M	$144.1M +0.2% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	19%
Deposits	$89.5M -15.3% YoY-2.2% QoQ	$-111.6M	$201.1M +0.4% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	Bottom 2.8% in tier

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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	0.4% -280.7% YoY-146.4% QoQ	-0.3%	0.7% +5.1% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	28%
NIM	4.7% +27.0% YoY+6.2% QoQ	+1.1%	3.6% +4.6% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Top 6.4% in tier
Efficiency Ratio	78.6% -7.5% YoY-1.0% QoQ	+0.6%	78.0% -1.7% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	0.9% -46.4% YoY-26.8% QoQ	+0.1	0.8% +7.1% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	68%
Loan To Share	80.7% +9.0% YoY+0.6% QoQ	+10.2%	70.4% -0.4% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	69%
AMR	$19,370 -13.4% YoY-1.7% QoQ	$-6K	$24,918 +2.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	28%
CD Concentration	8.6% -66.0% YoY-16.0% QoQ	-15.6%	24.3%	15.9%	19.8%	50%
Indirect Auto %	32.5% -20.2% YoY-5.7% QoQ	+18.7%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Shrinking Wallet Share

decline

#15 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -13.43%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Deposit Outflow

decline

#26 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -15.33%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 1.53%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Indirect Auto Dependency

risk

#437 of 504 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -14.52%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.49%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.53%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 4.72%

Peer Median: 3.62%

#68 of 1070 Top 6.3% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.65%

Peer Median: 23.10%

#91 of 1070 Top 8.4% in 100M-500M tier

261

First Mortgage Concentration (%)

balance_sheet

Value: 17.11%

Peer Median: 29.47%

#261 of 1070 Top 24.3% in 100M-500M tier

Top Weaknesses (11 metrics)

1066

Asset Growth Rate

growth

Value: -14.52%

Peer Median: 3.91%

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1066

Deposit Growth Rate

growth

Value: -15.33%

Peer Median: 3.30%

#1066 of 1070 Bottom 0.5% in 100M-500M tier

1063

Total Assets

balance_sheet

Value: $100.77M

Peer Median: $196.57M

#1063 of 1070 Bottom 0.7% in 100M-500M tier

1056

AMR Growth Rate

growth

Value: -13.43%

Peer Median: 3.46%

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1040

Total Deposits

balance_sheet

Value: $89.51M

Peer Median: $171.29M

#1040 of 1070 Bottom 2.9% in 100M-500M tier

1018

Loan Growth Rate

growth

Value: -7.75%

Peer Median: 2.93%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

930

Fee Income Per Member

profitability

Value: $87.21

Peer Median: $154.95

#930 of 1070 Bottom 13.2% in 100M-500M tier

925

Indirect Auto Concentration (%)

balance_sheet

Value: 32.49%

Peer Median: 6.61%

#925 of 1070 Bottom 13.6% in 100M-500M tier

885

Members Per Employee (MPE)

engagement

Value: 245.529

Peer Median: 309.176

#885 of 1070 Bottom 17.4% in 100M-500M tier

871

Total Loans

balance_sheet

Value: $72.19M

Peer Median: $121.41M

#871 of 1070 Bottom 18.7% in 100M-500M tier