BlastPoint's Credit Union Scorecard

IBEW 317

Charter #14030 · WV

<100M

2508 CUs in <100M nationally 63 in WV

IBEW 317 has 4 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 0.71% above tier average
+ Strong member growth: 43.0% YoY
+ Member Growth Rate: Top 0.6% in tier
+ Net Charge-Off Rate: Top 9.3% in tier

Key Concerns

Areas that may need attention

- AMR Growth Rate: Bottom 0.8% in tier
- Net Interest Margin (NIM): Bottom 8.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	1,957 +43.0% YoY-2.0% QoQ	-719	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	51%
Assets	$29.3M -2.5% YoY+0.7% QoQ	$-858K	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	58%
Loans	$12.3M -3.7% YoY-1.7% QoQ	$-2.9M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	57%
Deposits	$26.1M -3.7% YoY+0.5% QoQ	+$299K	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	60%

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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	0.9% +28.1% YoY+5.0% QoQ	+0.7%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	63%
NIM	2.6% +20.8% YoY+5.8% QoQ	-1.5%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 8.6% in tier
Efficiency Ratio	67.1% -3.1% YoY+0.3% QoQ	-23.5%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	21%
Delinquency Rate	1.2% -32.5% YoY-67.7% QoQ	-0.3	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	68%
Loan To Share	47.3% +0.1% YoY-2.2% QoQ	-11.2%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	32%
AMR	$19,638 -32.6% YoY+1.8% QoQ	+$5K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	77%
CD Concentration	10.2% -16.8% YoY+2.9% QoQ	-14.1%	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 (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Member Growth Rate

growth

Value: 42.95%

Peer Median: -1.37%

#16 of 2508 Top 0.6% in <100M tier

235

Net Charge-Off Rate

risk

Value: -0.11%

Peer Median: 0.07%

#235 of 2508 Top 9.3% in <100M tier

394

Members Per Employee (MPE)

engagement

Value: 489.250

Peer Median: 333.750

#394 of 2508 Top 15.7% in <100M tier

532

Efficiency Ratio

profitability

Value: 67.14%

Peer Median: 81.45%

#532 of 2508 Top 21.2% in <100M tier

588

Average Member Relationship (AMR)

engagement

Value: $19,638

Peer Median: $13,926

#588 of 2508 Top 23.4% in <100M tier

Top Weaknesses (5 metrics)

2489

AMR Growth Rate

growth

Value: -32.64%

Peer Median: 1.27%

#2489 of 2508 Bottom 0.8% in <100M tier

2293

Net Interest Margin (NIM)

profitability

Value: 2.55%

Peer Median: 3.83%

#2293 of 2508 Bottom 8.6% in <100M tier

2196

First Mortgage Concentration (%)

balance_sheet

Value: 41.89%

Peer Median: 3.66%

#2196 of 2508 Bottom 12.5% in <100M tier

2023

Fee Income Per Member

profitability

Value: $9.95

Peer Median: $60.42

#2023 of 2508 Bottom 19.4% in <100M tier

1906

Deposit Growth Rate

growth

Value: -3.72%

Peer Median: 0.66%

#1906 of 2508 Bottom 24.0% in <100M tier