BlastPoint's Credit Union Scorecard
CITY OF CLARKSBURG
Charter #13426 · WV
CITY OF CLARKSBURG has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Charge-Off Rate: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.90% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Loan Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
744
-3.3% YoY-1.5% QoQ
|
-1.9K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
21% |
| Assets |
$8.2M
-2.8% YoY-1.7% QoQ
|
$-22.0M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
28% |
| Loans |
$2.2M
-17.9% YoY-4.5% QoQ
|
$-13.1M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
19% |
| Deposits |
$7.0M
-3.4% YoY-2.0% QoQ
|
$-18.8M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
0.2%
-65.0% YoY-29.7% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
2.7%
-19.4% YoY-9.4% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.6% in tier |
| Efficiency Ratio |
91.5%
+13.5% YoY+2.7% QoQ
|
+0.9% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
72% |
| Delinquency Rate |
0.1%
-92.1% YoY+38.2% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
23% |
| Loan To Share |
31.2%
-15.0% YoY-2.5% QoQ
|
-27.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.5% in tier |
| AMR |
$12,319
-4.2% YoY-1.2% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration | 0.0% | -24.3% | 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)