BlastPoint's Credit Union Scorecard

SOUTH CHARLESTON EMPLOYEES

Charter #16989 · WV

<100M

2508 CUs in <100M nationally 63 in WV

SOUTH CHARLESTON EMPLOYEES has 2 strengths but faces 1 concern

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 0.54% above tier average
+ Net Worth Ratio: Top 0.5% in tier

Key Concerns

Areas that may need attention

- Delinquency rate 0.51% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	1,210 -1.0% YoY-0.2% QoQ	-1.5K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	34%
Assets	$14.4M -2.3% YoY-1.9% QoQ	$-15.8M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	40%
Loans	$4.7M -2.1% YoY+0.4% QoQ	$-10.5M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	33%
Deposits	$5.9M -6.8% YoY-4.7% QoQ	$-19.9M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	25%

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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	0.7% -10.9% YoY-12.3% QoQ	+0.5%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	54%
NIM	3.7% +12.1% YoY+10.4% QoQ	-0.3%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	80.0% +6.6% YoY+6.4% QoQ	-10.6%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	46%
Delinquency Rate	2.0% -19.5% YoY-49.8% QoQ	+0.5	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	81%
Loan To Share	80.6% +5.1% YoY+5.3% QoQ	+22.1%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	82%
AMR	$8,792 -3.8% YoY-2.2% QoQ	$-6K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	22%
CD Concentration	16.8% -14.1% YoY-17.0% QoQ	-7.4%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

Net Worth Ratio

risk

Value: 58.91%

Peer Median: 14.28%

#13 of 2508 Top 0.5% in <100M tier

440

Loan-to-Share Ratio

balance_sheet

Value: 80.59%

Peer Median: 58.72%

#440 of 2508 Top 17.5% in <100M tier

Top Weaknesses (5 metrics)

2198

Deposit Growth Rate

growth

Value: -6.82%

Peer Median: 0.66%

#2198 of 2508 Bottom 12.4% in <100M tier

2035

Total Delinquency Rate (60+ days)

risk

Value: 2.01%

Peer Median: 0.65%

#2035 of 2508 Bottom 18.9% in <100M tier

1975

AMR Growth Rate

growth

Value: -3.82%

Peer Median: 1.27%

#1975 of 2508 Bottom 21.3% in <100M tier

1956

Average Member Relationship (AMR)

engagement

Value: $8,792

Peer Median: $13,926

#1956 of 2508 Bottom 22.0% in <100M tier

1916

Fee Income Per Member

profitability

Value: $14.65

Peer Median: $60.42

#1916 of 2508 Bottom 23.6% in <100M tier