BlastPoint's Credit Union Scorecard
MCDOWELL COUNTY
Charter #18950 · WV
MCDOWELL COUNTY has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.99% below tier average
- - Efficiency ratio 0.49% above tier (higher cost structure)
- - Member decline: -5.9% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 0.2% in tier
- - Total Members: Bottom 0.2% in tier
- - Total Deposits: Bottom 0.3% in tier
- - Total Loans: Bottom 0.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits +8.7% year over year ($52K in shares and deposits).
- Membership: 32 members, -5.9% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.50%.
- Efficiency ratio 89.25% vs a 88.77% peer average.
- Loan-to-share ratio 12.85% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32
-5.9% YoY0% QoQ
|
-2.6K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 0.2% in tier |
| Assets |
$68,127
+8.3% YoY+2.8% QoQ
|
$-30.2M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 0.1% in tier |
| Loans |
$6,663
-32.4% YoY-33.9% QoQ
|
$-15.5M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 0.7% in tier |
| Deposits |
$51,849
+8.7% YoY+3.9% QoQ
|
$-25.8M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 0.2% in tier |
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| ROA |
0.5%
-117.3% YoY-68.2% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
2.9%
-24.2% YoY-12.4% QoQ
|
-1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 13.4% in tier |
| Efficiency Ratio |
89.3%
+9.0% YoY+73.7% QoQ
|
+0.5% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
70% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
12.9%
-37.9% YoY-36.3% QoQ
|
-46.0% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.4% in tier |
| AMR |
$1,828
+8.0% YoY-2.4% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 2.1% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)