BlastPoint's Credit Union Scorecard
UNITED HOSPITAL CENTER
Charter #12673 · WV
UNITED HOSPITAL CENTER has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.73% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 10.46% above tier average
- - Member decline: -8.2% YoY
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Member Growth Rate: Bottom 8.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,472
-8.2% YoY-1.4% QoQ
|
-1.2K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
40% |
| Assets |
$12.5M
-0.6% YoY-0.2% QoQ
|
$-17.6M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$7.0M
-10.8% YoY-4.4% QoQ
|
$-8.3M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
42% |
| Deposits |
$9.7M
-2.9% YoY+1.3% QoQ
|
$-16.1M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
0.9%
-59.4% YoY-63.4% QoQ
|
+0.7% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
3.6%
-18.5% YoY-25.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
40% |
| Efficiency Ratio |
82.0%
+50.0% YoY+51.8% QoQ
|
-8.7% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
51% |
| Delinquency Rate |
12.0%
+594.3% YoY+392.7% QoQ
|
+10.5 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.7% in tier |
| Loan To Share |
71.8%
-8.2% YoY-5.6% QoQ
|
+13.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$11,303
+2.0% YoY+0.2% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)