BlastPoint's Credit Union Scorecard
WV NATIONAL GUARD
Charter #12938 · WV
WV NATIONAL GUARD has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.04% above tier average
- + Average Member Relationship (AMR): Top 1.3% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Efficiency Ratio: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.4% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,806
-5.4% YoY-0.4% QoQ
|
-870 |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
48% |
| Assets |
$51.9M
-0.7% YoY+1.3% QoQ
|
+$21.7M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$25.3M
-1.1% YoY-4.5% QoQ
|
+$10.0M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$44.4M
-1.9% YoY+1.2% QoQ
|
+$18.6M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
2.2%
+7.9% YoY+70.4% QoQ
|
+2.0% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 4.8% in tier |
| NIM |
3.7%
+19.8% YoY+36.7% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
44.8%
-8.2% YoY-25.7% QoQ
|
-45.8% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 3.0% in tier |
| Delinquency Rate |
0.1%
-9.6% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
57.0%
+0.9% YoY-5.7% QoQ
|
-1.5% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$38,569
+4.0% YoY-0.5% QoQ
|
+$24K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Top 1.3% in tier |
| CD Concentration |
21.3%
-2.6% YoY-6.6% QoQ
|
-3.0% | 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)