BlastPoint's Credit Union Scorecard
CITY OF CLARKSBURG
Charter #13426 · WV
CITY OF CLARKSBURG has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 6.61% above tier (higher cost structure)
- - Member decline: -2.5% YoY
- - Loan Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
755
-2.5% YoY-0.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$8.3M
+0.7% YoY-0.5% QoQ
|
$-21.8M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$2.3M
-22.9% YoY-4.6% QoQ
|
$-13.5M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
19% |
| Deposits |
$7.1M
+0.5% YoY-0.6% QoQ
|
$-18.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
29% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-64.3% YoY-29.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.9%
-14.1% YoY-0.7% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
89.2%
+21.2% YoY+5.2% QoQ
|
+6.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.1%
-97.7% YoY-16.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
32.0%
-23.2% YoY-4.1% QoQ
|
-28.6% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.8% in tier |
| AMR |
$12,466
-4.0% YoY-1.4% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration | 0.0% | -24.4% | 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)