BlastPoint's Credit Union Scorecard

WEE

Charter #14257 · WV

<100M

2508 CUs in <100M nationally 63 in WV

WEE has 1 strength but faces 4 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 0.65% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.98% above tier average
- Member decline: -3.0% YoY
- First Mortgage Concentration (%): Bottom 8.5% in tier
- Share Certificate Concentration (%): Bottom 9.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	1,765 -3.0% YoY-0.7% QoQ	-911	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	47%
Assets	$27.9M +7.5% YoY+5.3% QoQ	$-2.3M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	57%
Loans	$8.8M -3.0% YoY-2.0% QoQ	$-6.5M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	48%
Deposits	$23.9M +7.5% YoY+5.9% QoQ	$-1.9M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	57%

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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	0.8% -23.9% YoY-13.4% QoQ	+0.7%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	60%
NIM	2.7% -10.4% YoY-10.9% QoQ	-1.3%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 12.2% in tier
Efficiency Ratio	74.9% +6.5% YoY+2.7% QoQ	-15.8%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	2.5% +16.7% YoY+15.6% QoQ	+1.0	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	Bottom 14.6% in tier
Loan To Share	36.7% -9.7% YoY-7.5% QoQ	-21.8%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	18%
AMR	$18,518 +7.7% YoY+4.4% QoQ	+$4K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	72%
CD Concentration	37.6% +3.2% YoY-3.5% QoQ	+13.3%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

325

Asset Growth Rate

growth

Value: 7.53%

Peer Median: 1.30%

#325 of 2508 Top 12.9% in <100M tier

354

Deposit Growth Rate

growth

Value: 7.49%

Peer Median: 0.66%

#354 of 2508 Top 14.1% in <100M tier

379

AMR Growth Rate

growth

Value: 7.67%

Peer Median: 1.27%

#379 of 2508 Top 15.1% in <100M tier

Top Weaknesses (5 metrics)

2295

First Mortgage Concentration (%)

balance_sheet

Value: 49.30%

Peer Median: 3.66%

#2295 of 2508 Bottom 8.5% in <100M tier

2276

Share Certificate Concentration (%)

balance_sheet

Value: 37.59%

Peer Median: 12.45%

#2276 of 2508 Bottom 9.3% in <100M tier

2203

Net Interest Margin (NIM)

profitability

Value: 2.75%

Peer Median: 3.83%

#2203 of 2508 Bottom 12.2% in <100M tier

2144

Total Delinquency Rate (60+ days)

risk

Value: 2.48%

Peer Median: 0.65%

#2144 of 2508 Bottom 14.6% in <100M tier

2049

Loan-to-Share Ratio

balance_sheet

Value: 36.67%

Peer Median: 58.72%

#2049 of 2508 Bottom 18.3% in <100M tier