BlastPoint's Credit Union Scorecard
HARRISON COUNTY
Charter #18254 · WV
HARRISON COUNTY has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.34% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.6% in tier
- + Loan Growth Rate: Top 1.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -28.6% YoY
- - Member Growth Rate: Bottom 1.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,219
-28.6% YoY-23.8% QoQ
|
-1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
34% |
| Assets |
$15.2M
-1.5% YoY-0.5% QoQ
|
$-15.0M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
41% |
| Loans |
$6.1M
+28.5% YoY+8.9% QoQ
|
$-9.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
38% |
| Deposits |
$12.4M
-2.6% YoY-0.6% QoQ
|
$-13.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
1.0%
+28.3% YoY-1.8% QoQ
|
+0.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
3.4%
+9.9% YoY+2.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
72.9%
-4.8% YoY+1.5% QoQ
|
-9.7% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
49.1%
+31.9% YoY+9.6% QoQ
|
-11.5% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$15,113
+48.2% YoY+34.2% QoQ
|
+$330 |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration | 0.0% | -24.4% | 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)