BlastPoint's Credit Union Scorecard
EAGLE CAN EMPLOYEES
Charter #17126 · WV
2556 CUs in <100M nationally
63 in WV
EAGLE CAN EMPLOYEES has 11 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.31% above tier average
- + Net Interest Margin 0.92% above tier average
- + Strong member growth: 8.4% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 2.3% in tier
- + Member Growth Rate: Top 3.6% in tier
- + Net Worth Ratio: Top 7.4% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 1.9% in tier
- - Total Assets: Bottom 3.2% in tier
- - Total Deposits: Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 3.3% in tier
- - Total Loans: Bottom 4.0% in tier
- - Members Per Employee (MPE): Bottom 7.1% in tier
- - Average Member Relationship (AMR): Bottom 8.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116
+8.4% YoY+2.7% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$509,562
+1.3% YoY-6.8% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.2% in tier |
| Loans |
$180,621
+7.2% YoY+14.1% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.0% in tier |
| Deposits |
$364,653
+0.8% YoY-8.8% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.2% in tier |
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| ROA |
1.9%
-35.9% YoY+11.9% QoQ
|
+1.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 7.8% in tier |
| NIM |
4.9%
-10.6% YoY+8.6% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
83% |
| Efficiency Ratio |
43.4%
-3.2% YoY-6.7% QoQ
|
-39.2% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.3% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.5%
+6.3% YoY+25.1% QoQ
|
-11.1% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$4,701
-5.1% YoY-4.9% QoQ
|
$-10K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 8.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)
Top Strengths (11 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
59
Efficiency Ratio
profitability
Value:
43.36%
Peer Median: -
#59 of 2556
Top 2.3% in <100M tier
92
Member Growth Rate
growth
Value:
8.41%
Peer Median: -
#92 of 2556
Top 3.6% in <100M tier
189
Net Worth Ratio
risk
Value:
28.42%
Peer Median: -
#189 of 2556
Top 7.4% in <100M tier
200
Return on Assets (ROA)
profitability
Value:
1.93%
Peer Median: -
#200 of 2556
Top 7.8% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
403
Loan Growth Rate
growth
Value:
7.19%
Peer Median: -
#403 of 2556
Top 15.7% in <100M tier
Top Weaknesses (9 metrics)
2509
Total Members
engagement
Value:
116
Peer Median: -
#2509 of 2556
Bottom 1.9% in <100M tier
2475
Total Assets
balance_sheet
Value:
$509,562
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2475
Total Deposits
balance_sheet
Value:
$364,653
Peer Median: -
#2475 of 2556
Bottom 3.2% in <100M tier
2473
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2454
Total Loans
balance_sheet
Value:
$180,621
Peer Median: -
#2454 of 2556
Bottom 4.0% in <100M tier
2375
Members Per Employee (MPE)
engagement
Value:
116.000
Peer Median: -
#2375 of 2556
Bottom 7.1% in <100M tier
2350
Average Member Relationship (AMR)
engagement
Value:
$4,701
Peer Median: -
#2350 of 2556
Bottom 8.1% in <100M tier
2326
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,557
Peer Median: -
#2326 of 2556
Bottom 9.0% in <100M tier
2149
AMR Growth Rate
growth
Value:
-5.13%
Peer Median: -
#2149 of 2556
Bottom 16.0% in <100M tier