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 2.24% above tier average
- + Net Interest Margin 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.0% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
- + Loan Growth Rate: Top 8.1% in tier
- + Total Members: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,031
+3.1% YoY+0.9% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 9.0% in tier |
| Assets |
$63.3M
+4.7% YoY+1.6% QoQ
|
+$33.2M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$34.4M
+12.2% YoY+0.0% QoQ
|
+$18.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Top 14.5% in tier |
| Deposits |
$48.2M
+2.3% YoY+1.5% QoQ
|
+$22.5M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
2.9%
+8.6% YoY-5.8% QoQ
|
+2.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 1.9% in tier |
| NIM |
4.6%
+6.2% YoY-0.9% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
42.8%
-2.2% YoY+4.2% QoQ
|
-39.7% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.0% in tier |
| Delinquency Rate |
1.0%
+302.3% YoY+105.5% QoQ
|
-0.5 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
61% |
| Loan To Share |
71.4%
+9.6% YoY-1.5% QoQ
|
+10.8% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
66% |
| AMR |
$13,694
+3.0% YoY+0.1% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
49% |
| CD Concentration |
14.6%
-6.2% YoY-1.2% QoQ
|
-9.9% | 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)