BlastPoint's Credit Union Scorecard
EAGLE CAN EMPLOYEES
Charter #17126 · WV
2596 CUs in <100M nationally
63 in WV
EAGLE CAN EMPLOYEES has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.04% above tier average
- + Net Interest Margin 0.56% above tier average
- + 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 4.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Total Members: Bottom 1.8% in tier
- - Total Assets: Bottom 3.5% in tier
- - Total Deposits: Bottom 3.5% in tier
- - Total Loans: Bottom 3.7% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.0% in tier
- - Average Member Relationship (AMR): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
113
-0.9% YoY+0.9% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 1.8% in tier |
| Assets |
$546,831
-0.5% YoY-0.7% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.5% in tier |
| Loans |
$158,329
-12.7% YoY-4.6% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.7% in tier |
| Deposits |
$399,930
-2.8% YoY-1.8% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.5% in tier |
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| ROA |
1.7%
-37.0% YoY+19.1% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 14.1% in tier |
| NIM |
4.5%
-22.0% YoY+0.8% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
73% |
| Efficiency Ratio |
46.5%
-11.3% YoY-9.1% QoQ
|
-34.9% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
39.6%
-10.2% YoY-2.9% QoQ
|
-21.6% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$4,940
-5.0% YoY-3.4% QoQ
|
$-10K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 9.2% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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 (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
115
Efficiency Ratio
profitability
Value:
46.46%
Peer Avg: -
#115 of 2596
Top 4.4% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
267
Net Worth Ratio
risk
Value:
25.70%
Peer Avg: -
#267 of 2596
Top 10.2% in <100M tier
366
Return on Assets (ROA)
profitability
Value:
1.72%
Peer Avg: -
#366 of 2596
Top 14.1% in <100M tier
Top Weaknesses (11 metrics)
2549
Total Members
engagement
Value:
113
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2505
Total Assets
balance_sheet
Value:
$546,831
Peer Avg: -
#2505 of 2596
Bottom 3.5% in <100M tier
2505
Total Deposits
balance_sheet
Value:
$399,930
Peer Avg: -
#2505 of 2596
Bottom 3.5% in <100M tier
2500
Total Loans
balance_sheet
Value:
$158,329
Peer Avg: -
#2500 of 2596
Bottom 3.7% in <100M tier
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2418
Members Per Employee (MPE)
engagement
Value:
113.000
Peer Avg: -
#2418 of 2596
Bottom 6.9% in <100M tier
2389
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,401
Peer Avg: -
#2389 of 2596
Bottom 8.0% in <100M tier
2356
Average Member Relationship (AMR)
engagement
Value:
$4,940
Peer Avg: -
#2356 of 2596
Bottom 9.3% in <100M tier
2208
Loan Growth Rate
growth
Value:
-12.73%
Peer Avg: -
#2208 of 2596
Bottom 15.0% in <100M tier
2143
AMR Growth Rate
growth
Value:
-5.04%
Peer Avg: -
#2143 of 2596
Bottom 17.5% in <100M tier