BlastPoint's Credit Union Scorecard
MCDOWELL COUNTY
Charter #18950 · WV
MCDOWELL COUNTY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Efficiency ratio 22.99% above tier (higher cost structure)
- - 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
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32
0% YoY0% QoQ
|
-2.6K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 0.2% in tier |
| Assets |
$64,108
-37.9% YoY-2.4% QoQ
|
$-30.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.2% in tier |
| Loans |
$13,840
-14.8% YoY+64.2% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.1% in tier |
| Deposits |
$47,998
-44.9% YoY-4.7% QoQ
|
$-25.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 0.3% in tier |
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| ROA |
0.0%
-87.6% YoY-100.6% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
2.3%
+4.1% YoY-32.5% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
105.5%
+9.3% YoY+34.1% QoQ
|
+23.0% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.9% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
28.8%
+54.6% YoY+72.3% QoQ
|
-31.8% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 9.2% in tier |
| AMR |
$1,932
-40.1% YoY+5.2% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 2.5% in tier |
| 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)