BlastPoint's Credit Union Scorecard
ONE COMMUNITY
Charter #12143 · WV
ONE COMMUNITY has 1 strength but faces 14 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.84% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 4.8% in tier
- - Deposit Outflow: Bottom 38.2% in tier
- - Indirect Auto Dependency: Bottom 88.7% in tier
- - ROA 1.59% below tier average
- - Efficiency ratio 2.39% above tier (higher cost structure)
- - Delinquency rate 0.28% above tier average
- - Deposit Growth Rate: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.9% in tier
- - Loan Growth Rate: Bottom 1.4% in tier
- - Total Assets: Bottom 1.8% in tier
- - Total Deposits: Bottom 4.4% in tier
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Fee Income Per Member: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,375
+3.0% YoY+0.2% QoQ
|
-7.1K |
15,437
-2.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$102.7M
-9.2% YoY-4.1% QoQ
|
$-129.2M |
$231.9M
+1.3% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.7% in tier |
| Loans |
$73.4M
-11.9% YoY-1.4% QoQ
|
$-73.9M |
$147.3M
-0.1% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$91.5M
-9.5% YoY-4.3% QoQ
|
$-109.3M |
$200.8M
+0.8% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.3% in tier |
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| ROA |
-0.8%
-207.4% YoY+12.1% QoQ
|
-1.6% |
0.8%
+18.2% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 1.6% in tier |
| NIM |
4.4%
+12.6% YoY+7.9% QoQ
|
+0.8% |
3.6%
+6.7% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 10.6% in tier |
| Efficiency Ratio |
79.4%
+13.4% YoY-3.8% QoQ
|
+2.4% |
77.0%
-3.1% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
1.2%
-38.5% YoY-8.3% QoQ
|
+0.3 |
0.9%
+4.2% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
80.2%
-2.7% YoY+3.0% QoQ
|
+8.0% |
72.2%
-1.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$19,696
-13.2% YoY-3.2% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
10.3%
-61.5% YoY-31.9% QoQ
|
-14.1% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % |
34.5%
-18.7% YoY-5.9% QoQ
|
+20.7% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)