BlastPoint's Credit Union Scorecard
WVU EMPLOYEES
Charter #14611 · WV
WVU EMPLOYEES demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.36% above tier average
- + Net Interest Margin 0.67% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.4% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
- + Loan Growth Rate: Top 7.5% in tier
- + Total Members: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,980
+3.2% YoY+0.7% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Top 9.4% in tier |
| Assets |
$62.4M
+4.9% YoY-3.1% QoQ
|
+$32.5M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$34.4M
+13.0% YoY+3.8% QoQ
|
+$18.6M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Top 14.4% in tier |
| Deposits |
$47.5M
+1.7% YoY-4.8% QoQ
|
+$22.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
3.0%
+22.1% YoY+7.1% QoQ
|
+2.4% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 2.1% in tier |
| NIM |
4.6%
+8.6% YoY+3.3% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
41.1%
-7.0% YoY-1.7% QoQ
|
-40.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.4% in tier |
| Delinquency Rate |
0.5%
+97.8% YoY+9.1% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
42% |
| Loan To Share |
72.5%
+11.1% YoY+9.1% QoQ
|
+11.2% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
66% |
| AMR |
$13,686
+2.9% YoY-2.0% QoQ
|
$-941 |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
50% |
| CD Concentration |
14.7%
-1.5% YoY+2.5% QoQ
|
-9.7% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)