BlastPoint's Credit Union Scorecard
SOUTH CHARLESTON EMPLOYEES
Charter #16989 · WV
SOUTH CHARLESTON EMPLOYEES has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Worth Ratio: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Delinquency rate 1.99% above tier average
- - Deposit Growth Rate: Bottom 7.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -9.9% year over year ($5.7M in shares and deposits).
- Membership: 1,200 members, -1.7% vs a year ago.
- Delinquency rate 3.54%.
- Return on assets 0.74%.
- Efficiency ratio 77.73% vs a 88.77% peer average.
- Loan-to-share ratio 81.35% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,200
-1.7% YoY-0.8% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$14.2M
-3.7% YoY-1.1% QoQ
|
$-16.0M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$4.6M
-2.0% YoY-2.2% QoQ
|
$-10.8M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$5.7M
-9.9% YoY-3.1% QoQ
|
$-20.1M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.7%
+0.3% YoY+6.6% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.7%
+8.7% YoY-2.6% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
77.7%
+1.5% YoY-2.9% QoQ
|
-11.0% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
3.5%
-26.3% YoY+76.0% QoQ
|
+2.0 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.6% in tier |
| Loan To Share |
81.3%
+8.8% YoY+0.9% QoQ
|
+22.5% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$8,625
-4.9% YoY-1.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
23.2%
+19.8% YoY+38.1% QoQ
|
-1.3% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | 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)