BlastPoint's Credit Union Scorecard
CITY OF FAIRMONT
Charter #18142 · WV
CITY OF FAIRMONT has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.03% above tier average
- + Efficiency Ratio: Top 5.5% in tier
- + Net Charge-Off Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 7.70% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Members Per Employee (MPE): Bottom 5.0% in tier
- - Fee Income Per Member: Bottom 5.6% in tier
- - Total Assets: Bottom 7.0% in tier
- - Total Deposits: Bottom 7.7% in tier
- - Total Members: Bottom 8.9% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -2.4% year over year ($1.2M in shares and deposits).
- Membership: 333 members, +2.8% vs a year ago.
- Delinquency rate 9.25%.
- Return on assets 1.46%.
- Efficiency ratio 51.85% vs a 88.77% peer average.
- Loan-to-share ratio 73.02% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
333
+2.8% YoY-0.9% QoQ
|
-2.3K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 8.8% in tier |
| Assets |
$1.4M
-1.5% YoY+0.0% QoQ
|
$-28.9M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 6.9% in tier |
| Loans |
$898,015
+2.8% YoY+7.6% QoQ
|
$-14.6M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 10.8% in tier |
| Deposits |
$1.2M
-2.4% YoY-0.6% QoQ
|
$-24.6M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 7.7% in tier |
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| ROA |
1.5%
+173.1% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
78% |
| NIM |
5.9%
+20.3% YoY+3.6% QoQ
|
+2.0% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 3.8% in tier |
| Efficiency Ratio |
51.8%
-32.9% YoY+23.7% QoQ
|
-36.9% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Top 5.5% in tier |
| Delinquency Rate |
9.2%
+100.7% YoY-5.8% QoQ
|
+7.7 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
73.0%
+5.3% YoY+8.2% QoQ
|
+14.1% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
72% |
| AMR |
$6,390
-3.0% YoY+3.6% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 12.7% in tier |
| CD Concentration |
15.7%
-8.2% YoY-11.9% QoQ
|
-8.8% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)