BlastPoint's Credit Union Scorecard
RAVENSWOOD
Charter #13321 · WV
RAVENSWOOD has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Asset Growth Rate: Top 2.5% in tier
- + Deposit Growth Rate: Top 2.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.27% below tier average
- - Net Worth Ratio: Bottom 6.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits +16.2% year over year ($48.8M in shares and deposits).
- Membership: 5,443 members, +0.9% vs a year ago.
- Delinquency rate 0.99%.
- Return on assets 0.22%.
- Efficiency ratio 83.05% vs a 88.77% peer average.
- Loan-to-share ratio 35.70% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,443
+0.9% YoY0% QoQ
|
+2.9K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Top 11.1% in tier |
| Assets |
$53.6M
+15.3% YoY+4.5% QoQ
|
+$23.3M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
79% |
| Loans |
$17.4M
-5.5% YoY-0.4% QoQ
|
+$1.9M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
66% |
| Deposits |
$48.8M
+16.2% YoY+4.8% QoQ
|
+$23.0M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.2%
-67.3% YoY-2.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.8% in tier |
| NIM |
3.3%
-11.4% YoY+2.7% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
83.0%
+3.2% YoY-4.8% QoQ
|
-5.7% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
1.0%
-39.8% YoY-58.3% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
60% |
| Loan To Share |
35.7%
-18.7% YoY-4.9% QoQ
|
-23.2% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
16% |
| AMR |
$12,157
+8.7% YoY+3.4% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
25.4%
+81.7% YoY+22.2% QoQ
|
+0.8% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)