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 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,814
-5.2% YoY-1.4% QoQ
|
-801 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$51.2M
+0.3% YoY+0.0% QoQ
|
+$21.0M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
78% |
| Loans |
$26.5M
+2.0% YoY-1.9% QoQ
|
+$10.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$43.8M
-0.7% YoY-0.3% QoQ
|
+$18.1M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
1.3%
+75.1% YoY-5.0% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
2.7%
+24.0% YoY+0.1% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
60.3%
-14.3% YoY+1.8% QoQ
|
-22.2% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
0.1%
-8.3% YoY
|
-1.4 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
21% |
| Loan To Share |
60.5%
+2.7% YoY-1.6% QoQ
|
-0.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$38,755
+5.8% YoY+0.5% QoQ
|
+$24K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.4% in tier |
| CD Concentration |
22.8%
+6.8% YoY-0.6% QoQ
|
-1.6% | 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)