BlastPoint's Credit Union Scorecard
CHARLESTON
Charter #12922 · WV
CHARLESTON demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 6.3% in tier
- + Efficiency Ratio: Top 6.8% in tier
- + Member Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,258
+3.7% YoY+1.5% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$14.9M
+8.4% YoY+2.9% QoQ
|
$-15.3M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$9.9M
+6.0% YoY+2.1% QoQ
|
$-5.9M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$12.7M
+7.6% YoY+2.9% QoQ
|
$-13.0M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
42% |
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| ROA |
1.8%
+35.0% YoY-4.7% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 10.4% in tier |
| NIM |
3.8%
-8.4% YoY-1.6% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
54.3%
+3.6% YoY+3.0% QoQ
|
-28.3% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate |
0.5%
-54.7% YoY-40.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
77.7%
-1.5% YoY-0.8% QoQ
|
+17.0% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$17,948
+3.1% YoY+1.1% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
70% |
| CD Concentration |
33.8%
+39.2% YoY+1.4% QoQ
|
+9.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)