BlastPoint's Credit Union Scorecard
UNITED HOSPITAL CENTER
Charter #12673 · WV
UNITED HOSPITAL CENTER has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.83% above tier average
- + Net Interest Margin 0.83% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.23% above tier average
- - Member decline: -5.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,537
-5.1% YoY-1.5% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
41% |
| Assets |
$12.5M
-0.9% YoY-2.6% QoQ
|
$-17.4M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
37% |
| Loans |
$7.6M
-8.8% YoY-1.3% QoQ
|
$-8.2M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
44% |
| Deposits |
$9.6M
-5.3% YoY-4.9% QoQ
|
$-15.9M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
2.5%
+54.2% YoY-0.5% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 3.5% in tier |
| NIM |
4.8%
+16.8% YoY+1.8% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
51.5%
-17.3% YoY+2.8% QoQ
|
-29.9% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate |
1.7%
+10.3% YoY+11.7% QoQ
|
+0.2 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
76% |
| Loan To Share |
79.4%
-3.7% YoY+3.7% QoQ
|
+18.1% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
77% |
| AMR |
$11,181
-1.8% YoY-1.9% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
35% |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)