BlastPoint's Credit Union Scorecard
MCDOWELL COUNTY
Charter #18950 · WV
<100M
2508 CUs in <100M nationally
63 in WV
MCDOWELL COUNTY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.44% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 5.5% in tier
- + Deposit Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
- - Members Per Employee (MPE): Bottom 0.0% 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 1.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Average Member Relationship (AMR): Bottom 2.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32
-3.0% YoY0% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$66,264
+7.6% YoY+3.4% QoQ
|
$-30.1M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 0.2% in tier |
| Loans |
$10,073
-25.3% YoY-27.2% QoQ
|
$-15.3M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 1.0% in tier |
| Deposits |
$49,892
+9.8% YoY+3.9% QoQ
|
$-25.7M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 0.2% in tier |
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| ROA | 1.6% | +1.4% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 13.4% in tier |
| NIM |
3.3%
+4.9% YoY+44.5% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
51.4%
-48.0% YoY-51.3% QoQ
|
-39.2% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 5.5% in tier |
| 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 |
20.2%
-32.0% YoY-30.0% QoQ
|
-38.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.3% in tier |
| AMR |
$1,874
+4.9% YoY-3.0% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.5% in tier |
| 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)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (10 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: 0.65%
#1 of 2508
Top 0.1% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
139
Efficiency Ratio
profitability
Value:
51.39%
Peer Median: 81.45%
#139 of 2508
Top 5.5% in <100M tier
222
Deposit Growth Rate
growth
Value:
9.75%
Peer Median: 0.66%
#222 of 2508
Top 8.8% in <100M tier
293
Net Worth Ratio
risk
Value:
24.41%
Peer Median: 14.28%
#293 of 2508
Top 11.6% in <100M tier
321
Asset Growth Rate
growth
Value:
7.62%
Peer Median: 1.30%
#321 of 2508
Top 12.8% in <100M tier
336
Return on Assets (ROA)
profitability
Value:
1.58%
Peer Median: 0.61%
#336 of 2508
Top 13.4% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (10 metrics)
2508
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: 333.750
#2508 of 2508
Bottom 0.1% in <100M tier
2504
Total Assets
balance_sheet
Value:
$66,264
Peer Median: $21.86M
#2504 of 2508
Bottom 0.2% in <100M tier
2504
Total Members
engagement
Value:
32
Peer Median: 1,918
#2504 of 2508
Bottom 0.2% in <100M tier
2502
Total Deposits
balance_sheet
Value:
$49,892
Peer Median: $18.77M
#2502 of 2508
Bottom 0.3% in <100M tier
2483
Total Loans
balance_sheet
Value:
$10,073
Peer Median: $9.48M
#2483 of 2508
Bottom 1.0% in <100M tier
2452
Loan-to-Member Ratio (LMR)
engagement
Value:
$314.78
Peer Median: $4,923
#2452 of 2508
Bottom 2.3% in <100M tier
2446
Average Member Relationship (AMR)
engagement
Value:
$1,874
Peer Median: $13,926
#2446 of 2508
Bottom 2.5% in <100M tier
2415
Loan Growth Rate
growth
Value:
-25.31%
Peer Median: -2.36%
#2415 of 2508
Bottom 3.7% in <100M tier
2390
Fee Income Per Member
profitability
Value:
$0.00
Peer Median: $60.42
#2390 of 2508
Bottom 4.7% in <100M tier
2374
Loan-to-Share Ratio
balance_sheet
Value:
20.19%
Peer Median: 58.72%
#2374 of 2508
Bottom 5.4% in <100M tier