BlastPoint's Credit Union Scorecard
WEST VIRGINIA
Charter #17057 · WV
WEST VIRGINIA has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 40.7% in tier
- + ROA 0.76% above tier average
- + Net Interest Margin 0.33% above tier average
- + Net Worth Ratio: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.5% in tier
- - Stagnation Risk: Bottom 7.8% in tier
- - Credit Risk Growth: Bottom 18.4% in tier
- - Membership Headwinds: Bottom 26.3% in tier
- - Liquidity Overhang: Bottom 39.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,275
-1.2% YoY-0.8% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 12.4% in tier |
| Assets |
$132.5M
+6.3% YoY+0.2% QoQ
|
$-98.8M |
$231.3M
-0.0% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$77.6M
+0.9% YoY+2.6% QoQ
|
$-70.2M |
$147.8M
-1.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
21% |
| Deposits |
$106.4M
+5.5% YoY-0.5% QoQ
|
$-93.9M |
$200.3M
-0.0% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
15% |
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| ROA |
1.5%
+6.6% YoY+0.5% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 11.0% in tier |
| NIM |
3.9%
+4.3% YoY+1.8% QoQ
|
+0.3% |
3.6%
+6.9% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
68% |
| Efficiency Ratio |
67.9%
-3.0% YoY+1.1% QoQ
|
-9.4% |
77.3%
-3.0% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.8%
+253.6% YoY+13.4% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
72.9%
-4.3% YoY+3.1% QoQ
|
+0.2% |
72.7%
-1.5% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
47% |
| AMR |
$25,290
+4.8% YoY+1.5% QoQ
|
+$926 |
$24,363
+2.9% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
66% |
| CD Concentration |
14.1%
+44.9% YoY+9.4% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
9.3%
-15.0% YoY-7.7% QoQ
|
-4.7% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)