BlastPoint's Credit Union Scorecard
CITY OF FAIRMONT
Charter #18142 · WV
<100M
2508 CUs in <100M nationally
63 in WV
CITY OF FAIRMONT has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 1.71% above tier average
- + Efficiency Ratio: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 8.31% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.5% in tier
- - Members Per Employee (MPE): Bottom 5.1% in tier
- - Fee Income Per Member: Bottom 7.0% in tier
- - Total Assets: Bottom 7.2% in tier
- - Total Deposits: Bottom 8.0% in tier
- - Total Members: Bottom 8.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
336
+1.8% YoY+1.8% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 8.8% in tier |
| Assets |
$1.4M
+1.9% YoY-1.7% QoQ
|
$-28.8M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 7.2% in tier |
| Loans |
$834,907
-9.7% YoY-1.9% QoQ
|
$-14.4M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.2% in tier |
| Deposits |
$1.2M
+2.0% YoY-2.0% QoQ
|
$-24.5M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA | 0.5% | +0.4% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
5.7%
+20.4% YoY+22.6% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 5.0% in tier |
| Efficiency Ratio |
41.9%
-47.4% YoY-46.9% QoQ
|
-48.7% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 2.4% in tier |
| Delinquency Rate |
9.8%
+5.2% YoY-23.8% QoQ
|
+8.3 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.5% in tier |
| Loan To Share |
67.5%
-11.4% YoY+0.1% QoQ
|
+8.9% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$6,169
-4.8% YoY-3.7% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 12.2% in tier |
| CD Concentration |
17.9%
+1.3% YoY+2.8% QoQ
|
-6.4% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
60
Efficiency Ratio
profitability
Value:
41.92%
Peer Median: 81.45%
#60 of 2508
Top 2.4% in <100M tier
125
Net Interest Margin (NIM)
profitability
Value:
5.72%
Peer Median: 3.83%
#125 of 2508
Top 4.9% in <100M tier
318
Net Charge-Off Rate
risk
Value:
-0.05%
Peer Median: 0.07%
#318 of 2508
Top 12.6% in <100M tier
452
Member Growth Rate
growth
Value:
1.82%
Peer Median: -1.37%
#452 of 2508
Top 18.0% in <100M tier
Top Weaknesses (12 metrics)
2447
Total Delinquency Rate (60+ days)
risk
Value:
9.82%
Peer Median: 0.65%
#2447 of 2508
Bottom 2.5% in <100M tier
2380
Members Per Employee (MPE)
engagement
Value:
84.000
Peer Median: 333.750
#2380 of 2508
Bottom 5.1% in <100M tier
2334
Fee Income Per Member
profitability
Value:
$0.56
Peer Median: $60.42
#2334 of 2508
Bottom 7.0% in <100M tier
2328
Total Assets
balance_sheet
Value:
$1.38M
Peer Median: $21.86M
#2328 of 2508
Bottom 7.2% in <100M tier
2308
Total Deposits
balance_sheet
Value:
$1.24M
Peer Median: $18.77M
#2308 of 2508
Bottom 8.0% in <100M tier
2285
Total Members
engagement
Value:
336
Peer Median: 1,918
#2285 of 2508
Bottom 8.9% in <100M tier
2252
Total Loans
balance_sheet
Value:
$834,907
Peer Median: $9.48M
#2252 of 2508
Bottom 10.2% in <100M tier
2202
Average Member Relationship (AMR)
engagement
Value:
$6,169
Peer Median: $13,926
#2202 of 2508
Bottom 12.2% in <100M tier
2062
AMR Growth Rate
growth
Value:
-4.79%
Peer Median: 1.27%
#2062 of 2508
Bottom 17.8% in <100M tier
2042
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,485
Peer Median: $4,923
#2042 of 2508
Bottom 18.6% in <100M tier