BlastPoint's Credit Union Scorecard
HARRISON COUNTY
Charter #18254 · WV
HARRISON COUNTY has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.91% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + AMR Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 1.6% in tier
Key Concerns
Areas that may need attention
- - Member decline: -28.4% YoY
- - Member Growth Rate: Bottom 1.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,216
-28.4% YoY-0.2% QoQ
|
-1.5K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
34% |
| Assets |
$15.7M
+2.9% YoY+3.3% QoQ
|
$-14.5M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
42% |
| Loans |
$6.2M
+31.5% YoY+1.9% QoQ
|
$-9.1M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
39% |
| Deposits |
$12.8M
+2.7% YoY+3.9% QoQ
|
$-12.9M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
41% |
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| ROA |
1.1%
+28.0% YoY+9.3% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.7%
+18.0% YoY+8.2% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
43% |
| Efficiency Ratio |
71.4%
-3.1% YoY-2.0% QoQ
|
-19.2% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
28% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
48.2%
+28.1% YoY-1.9% QoQ
|
-10.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
33% |
| AMR |
$15,641
+54.4% YoY+3.5% QoQ
|
+$757 |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 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)