BlastPoint's Credit Union Scorecard

WVU EMPLOYEES

Charter #14611 · WV

<100M

2508 CUs in <100M nationally 63 in WV

WVU EMPLOYEES demonstrates 5 strengths

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 2.67% above tier average
+ Net Interest Margin 0.54% above tier average
+ Efficiency Ratio: Top 2.1% in tier
+ Members Per Employee (MPE): Top 3.5% in tier
+ Total Members: Top 8.4% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	6,034 +2.7% YoY+0.0% QoQ	+3.4K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Top 8.5% in tier
Assets	$66.7M +5.0% YoY+5.3% QoQ	+$36.5M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	Top 13.5% in tier
Loans	$35.1M +7.7% YoY+1.9% QoQ	+$19.8M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	Top 13.4% in tier
Deposits	$50.8M +2.5% YoY+5.4% QoQ	+$25.0M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	83%

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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	2.8% +0.6% YoY-1.7% QoQ	+2.7%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	Top 2.5% in tier
NIM	4.6% +2.1% YoY-0.3% QoQ	+0.5%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	78%
Efficiency Ratio	40.9% +0.1% YoY-4.6% QoQ	-49.8%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	Top 2.1% in tier
Delinquency Rate	0.5% -1.0% YoY-47.2% QoQ	-1.0	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	45%
Loan To Share	69.0% +5.0% YoY-3.4% QoQ	+10.5%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	66%
AMR	$14,229 +1.8% YoY+3.9% QoQ	$-655	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	51%
CD Concentration	13.9% -3.6% YoY-4.8% QoQ	-10.4%	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 (15 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

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

Efficiency Ratio

profitability

Value: 40.85%

Peer Median: 81.45%

#54 of 2508 Top 2.1% in <100M tier

Return on Assets (ROA)

profitability

Value: 2.81%

Peer Median: 0.61%

#62 of 2508 Top 2.4% in <100M tier

Members Per Employee (MPE)

engagement

Value: 754.250

Peer Median: 333.750

#90 of 2508 Top 3.5% in <100M tier

212

Total Members

engagement

Value: 6,034

Peer Median: 1,918

#212 of 2508 Top 8.4% in <100M tier

279

Fee Income Per Member

profitability

Value: $151.59

Peer Median: $60.42

#279 of 2508 Top 11.1% in <100M tier

330

Member Growth Rate

growth

Value: 2.71%

Peer Median: -1.37%

#330 of 2508 Top 13.1% in <100M tier

335

Total Loans

balance_sheet

Value: $35.05M

Peer Median: $9.48M

#335 of 2508 Top 13.3% in <100M tier

338

Total Assets

balance_sheet

Value: $66.67M

Peer Median: $21.86M

#338 of 2508 Top 13.4% in <100M tier

Top Weaknesses (1 metrics)

2226

Net Charge-Off Rate

risk

Value: 1.23%

Peer Median: 0.07%

#2226 of 2508 Bottom 11.3% in <100M tier