BlastPoint's Credit Union Scorecard
WEST VIRGINIA
Charter #17057 · WV
WEST VIRGINIA has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 53.5% in tier
- + ROA 0.62% above tier average
- + Net Interest Margin 0.22% above tier average
- + Net Worth Ratio: Top 4.9% in tier
- + Deposit Growth Rate: Top 8.4% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.9% in tier
- - Liquidity Overhang: Bottom 38.1% in tier
- - Stagnation Risk: Bottom 64.9% in tier
- - Membership Headwinds: Bottom 83.2% in tier
- - Delinquency rate 0.04% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,249
-1.1% YoY-0.4% QoQ
|
-8.2K |
15,437
-2.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 12.3% in tier |
| Assets |
$138.8M
+11.3% YoY+4.8% QoQ
|
$-93.0M |
$231.9M
+1.3% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$77.0M
-0.2% YoY-0.7% QoQ
|
$-70.3M |
$147.3M
-0.1% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$112.4M
+11.2% YoY+5.6% QoQ
|
$-88.4M |
$200.8M
+0.8% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
1.4%
+15.2% YoY-10.4% QoQ
|
+0.6% |
0.8%
+18.2% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 13.7% in tier |
| NIM |
3.8%
-0.2% YoY-2.3% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
70.2%
-5.3% YoY+3.4% QoQ
|
-6.8% |
77.0%
-3.1% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
26% |
| Delinquency Rate |
0.9%
+96.9% YoY+14.4% QoQ
|
+0.0 |
0.9%
+4.2% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
65% |
| Loan To Share |
68.5%
-10.2% YoY-6.0% QoQ
|
-3.7% |
72.2%
-1.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
39% |
| AMR |
$26,132
+7.5% YoY+3.3% QoQ
|
+$1K |
$24,676
+3.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
17.4%
+61.2% YoY+24.2% QoQ
|
-7.0% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % |
8.8%
-18.3% YoY-5.4% QoQ
|
-5.0% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
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.
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)