UNITED HOSPITAL CENTER
Charter #12673 | WV
<100M
(2596 CUs)
Micro
($0-$500M)
63 <100M in 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
|
41st in tier |
| 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
|
37th in tier |
| 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
|
44th in tier |
| 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
|
36th in tier |
| 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
|
Top 19.2% in tier |
| 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
|
Top 23.7% in tier |
| 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
|
Top 23.4% in tier |
| 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
|
35th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
92
Return on Assets (ROA)
profitability
Value:
2.52%
Peer Avg: 0.68%
#92 of 2596
Top 3.5% in <100M tier
181
Efficiency Ratio
profitability
Value:
51.50%
Peer Avg: 81.39%
#181 of 2596
Top 6.9% in <100M tier
359
Members Per Employee (MPE)
engagement
Value:
512.333
Peer Avg: 365.701
#359 of 2596
Top 13.8% in <100M tier
389
Net Worth Ratio
risk
Value:
22.63%
Peer Avg: 16.43%
#389 of 2596
Top 14.9% in <100M tier
498
Net Interest Margin (NIM)
profitability
Value:
4.77%
Peer Avg: 3.93%
#498 of 2596
Top 19.1% in <100M tier
604
Loan-to-Share Ratio
balance_sheet
Value:
79.37%
Peer Avg: 61.23%
#604 of 2596
Top 23.2% in <100M tier
Top Weaknesses (4 metrics)
2170
Member Growth Rate
growth
Value:
-5.12%
Peer Avg: 14.92%
#2170 of 2596
Bottom 16.4% in <100M tier
2167
Deposit Growth Rate
growth
Value:
-5.28%
Peer Avg: 16.80%
#2167 of 2596
Bottom 16.6% in <100M tier
1983
Total Delinquency Rate (60+ days)
risk
Value:
1.74%
Peer Avg: 1.51%
#1983 of 2596
Bottom 23.7% in <100M tier
1953
Loan Growth Rate
growth
Value:
-8.75%
Peer Avg: 59.01%
#1953 of 2596
Bottom 24.8% in <100M tier