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 0.49% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.68% below tier average
- - Efficiency ratio 0.09% above tier (higher cost structure)
- - Delinquency rate 1.73% above tier average
- - Members Per Employee (MPE): Bottom 5.3% in tier
- - Total Assets: Bottom 7.5% in tier
- - Total Deposits: Bottom 8.2% in tier
- - Total Members: Bottom 9.1% in tier
- - Fee Income Per Member: 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 |
336
+2.4% YoY+3.7% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 9.0% in tier |
| Assets |
$1.4M
-0.8% YoY-1.2% QoQ
|
$-28.5M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.5% in tier |
| Loans |
$873,759
-9.5% YoY-0.0% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.5% in tier |
| Deposits |
$1.2M
+0.9% YoY-1.3% QoQ
|
$-24.2M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.2% in tier |
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| ROA |
-0.0%
-100.0% YoY-34.0% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
4.4%
-6.2% YoY-10.2% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
71% |
| Efficiency Ratio |
81.5%
-3.1% YoY+5.5% QoQ
|
+0.1% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
58% |
| Delinquency Rate |
3.2%
-68.0% YoY-29.8% QoQ
|
+1.7 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 10.7% in tier |
| Loan To Share |
70.3%
-10.3% YoY+1.3% QoQ
|
+9.1% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$6,300
-6.0% YoY-4.3% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.8% in tier |
| CD Concentration |
17.4%
+6.6% YoY+1.5% QoQ
|
-7.0% |
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)
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)