BlastPoint's Credit Union Scorecard
CITY OF FAIRMONT
Charter #18142 · WV
CITY OF FAIRMONT has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.71% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Delinquency rate 11.34% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Members Per Employee (MPE): Bottom 5.1% in tier
- - Total Assets: Bottom 7.3% in tier
- - Total Deposits: Bottom 8.2% in tier
- - Fee Income Per Member: Bottom 8.5% in tier
- - Total Members: Bottom 8.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
330
+0.6% YoY-1.8% QoQ
|
-2.3K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 8.6% in tier |
| Assets |
$1.4M
+4.2% YoY+1.4% QoQ
|
$-28.7M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 7.3% in tier |
| Loans |
$850,968
-5.1% YoY-2.6% QoQ
|
$-14.9M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.0% in tier |
| Deposits |
$1.3M
+4.6% YoY+1.6% QoQ
|
$-24.4M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.1% in tier |
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| ROA |
-0.0%
-99.8% YoY+2597.2% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.7%
-5.3% YoY+5.4% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
79.0%
+6.5% YoY-3.1% QoQ
|
-3.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
12.9%
+270.0% YoY+298.5% QoQ
|
+11.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 1.7% in tier |
| Loan To Share |
67.4%
-9.4% YoY-4.2% QoQ
|
+6.7% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$6,407
-0.1% YoY+1.7% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 12.9% in tier |
| CD Concentration |
17.4%
-1.4% YoY-0.1% QoQ
|
-7.1% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)