BlastPoint's Credit Union Scorecard
167TH TFR
Charter #13028 · WV
167TH TFR has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Total Members: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.7% YoY
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,859
-4.7% YoY-1.1% QoQ
|
+5.2K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 3.9% in tier |
| Assets |
$70.1M
+4.2% YoY+1.9% QoQ
|
+$40.0M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Top 12.5% in tier |
| Loans |
$10.7M
-9.8% YoY-4.2% QoQ
|
$-5.0M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
53% |
| Deposits |
$62.5M
+3.5% YoY+1.6% QoQ
|
+$36.8M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Top 11.0% in tier |
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| ROA |
1.3%
+11.9% YoY+2.8% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.6%
+11.6% YoY+0.3% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
68.3%
-0.2% YoY+1.7% QoQ
|
-14.3% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.3%
-68.5% YoY-35.5% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
17.2%
-12.8% YoY-5.8% QoQ
|
-43.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.5% in tier |
| AMR |
$9,318
+6.3% YoY+1.8% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
25% |
| CD Concentration |
3.7%
-4.0% YoY-0.9% QoQ
|
-20.7% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % |
0.4%
-57.0% YoY-13.4% QoQ
|
-13.4% | 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)