BlastPoint's Credit Union Scorecard
WEST VIRGINIA
Charter #17057 · WV
WEST VIRGINIA has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Net Worth Ratio: Top 5.4% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Asset Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 6.61% above tier (higher cost structure)
- - Member decline: -2.0% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,168
-2.0% YoY-1.1% QoQ
|
-8.0K |
15,145
-2.5% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$143.0M
+11.1% YoY+3.0% QoQ
|
$-88.7M |
$231.7M
+0.8% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$75.8M
-0.0% YoY-1.6% QoQ
|
$-68.3M |
$144.1M
+0.2% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
21% |
| Deposits |
$116.5M
+11.6% YoY+3.7% QoQ
|
$-84.6M |
$201.1M
+0.4% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
0.5%
-56.4% YoY-65.5% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.6%
-5.4% YoY-4.7% QoQ
|
+0.0% |
3.6%
+4.6% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
84.6%
+14.0% YoY+20.5% QoQ
|
+6.6% |
78.0%
-1.7% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
70% |
| Delinquency Rate |
0.6%
+77.8% YoY-35.4% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
65.1%
-10.4% YoY-5.0% QoQ
|
-5.3% |
70.4%
-0.4% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$26,836
+8.9% YoY+2.7% QoQ
|
+$2K |
$24,918
+2.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
17.2%
+45.5% YoY-1.3% QoQ
|
-7.0% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % |
8.2%
-21.0% YoY-6.0% QoQ
|
-5.6% | 13.8% | 2.0% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)