BlastPoint's Credit Union Scorecard
SOUTH CHARLESTON EMPLOYEES
Charter #16989 · WV
SOUTH CHARLESTON EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Worth Ratio: Top 0.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.45% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,213
-1.1% YoY-0.2% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$14.7M
+0.6% YoY-0.8% QoQ
|
$-15.5M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$4.7M
-2.6% YoY-0.7% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$6.2M
-1.1% YoY-2.3% QoQ
|
$-19.5M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
27% |
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| ROA |
0.8%
+58.4% YoY-2.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.4%
+2.8% YoY-0.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
75.2%
-9.7% YoY+0.8% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
4.0%
+21.5% YoY-12.1% QoQ
|
+2.5 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 8.7% in tier |
| Loan To Share |
76.5%
-1.5% YoY+1.6% QoQ
|
+15.9% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$8,994
-0.7% YoY-1.3% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
20.3%
+1.9% YoY+4.9% QoQ
|
-4.1% | 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)