BlastPoint's Credit Union Scorecard

RAVENSWOOD

Charter #13321 · WV

<100M

2508 CUs in <100M nationally 63 in WV

RAVENSWOOD has 3 strengths but faces 2 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.08% above tier average
+ Asset Growth Rate: Top 6.1% in tier
+ Deposit Growth Rate: Top 6.6% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.87% above tier average
- Net Worth Ratio: Bottom 8.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	5,443 +0.9% YoY+0.8% QoQ	+2.8K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Top 11.1% in tier
Assets	$51.3M +11.1% YoY+6.0% QoQ	+$21.1M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	78%
Loans	$17.5M -3.2% YoY-2.1% QoQ	+$2.2M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	66%
Deposits	$46.5M +11.4% YoY+6.6% QoQ	+$20.8M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	80%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% -39.7% YoY-65.6% QoQ	+0.1%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	31%
NIM	3.2% -14.3% YoY-15.5% QoQ	-0.8%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	24%
Efficiency Ratio	87.2% +1.3% YoY+7.0% QoQ	-3.4%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	63%
Delinquency Rate	2.4% +54.3% YoY+4.9% QoQ	+0.9	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	85%
Loan To Share	37.5% -13.2% YoY-8.2% QoQ	-21.0%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	19%
AMR	$11,762 +6.1% YoY+3.3% QoQ	$-3K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	37%
CD Concentration	20.8% +58.1% YoY+21.2% QoQ	-3.5%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

154

Asset Growth Rate

growth

Value: 11.12%

Peer Median: 1.30%

#154 of 2508 Top 6.1% in <100M tier

167

Deposit Growth Rate

growth

Value: 11.44%

Peer Median: 0.66%

#167 of 2508 Top 6.6% in <100M tier

278

Total Members

engagement

Value: 5,443

Peer Median: 1,918

#278 of 2508 Top 11.0% in <100M tier

512

Total Deposits

balance_sheet

Value: $46.55M

Peer Median: $18.77M

#512 of 2508 Top 20.4% in <100M tier

515

AMR Growth Rate

growth

Value: 6.10%

Peer Median: 1.27%

#515 of 2508 Top 20.5% in <100M tier

554

Total Assets

balance_sheet

Value: $51.28M

Peer Median: $21.86M

#554 of 2508 Top 22.0% in <100M tier

623

Member Growth Rate

growth

Value: 0.85%

Peer Median: -1.37%

#623 of 2508 Top 24.8% in <100M tier

Top Weaknesses (4 metrics)

2287

Net Worth Ratio

risk

Value: 8.77%

Peer Median: 14.28%

#2287 of 2508 Bottom 8.9% in <100M tier

2125

Total Delinquency Rate (60+ days)

risk

Value: 2.37%

Peer Median: 0.65%

#2125 of 2508 Bottom 15.3% in <100M tier

2026

Loan-to-Share Ratio

balance_sheet

Value: 37.54%

Peer Median: 58.72%

#2026 of 2508 Bottom 19.3% in <100M tier

1912

Net Interest Margin (NIM)

profitability

Value: 3.19%

Peer Median: 3.83%

#1912 of 2508 Bottom 23.8% in <100M tier