BlastPoint's Credit Union Scorecard
MCDOWELL COUNTY
Charter #18950 · WV
2596 CUs in <100M nationally
63 in WV
MCDOWELL COUNTY has 4 strengths but faces 15 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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
Key Concerns
Areas that may need attention
- - ROA 2.29% below tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Assets: Bottom 0.2% in tier
- - Total Members: Bottom 0.3% in tier
- - Total Deposits: Bottom 0.4% in tier
- - Asset Growth Rate: Bottom 0.6% in tier
- - Deposit Growth Rate: Bottom 0.7% in tier
- - Net Charge-Off Rate: Bottom 0.7% in tier
- - AMR Growth Rate: Bottom 0.9% in tier
- - Total Loans: Bottom 1.1% in tier
- - Loan Growth Rate: Bottom 1.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.2% in tier
- - Average Member Relationship (AMR): Bottom 2.6% in tier
- - Loan-to-Share Ratio: Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32
0% YoY-5.9% QoQ
|
-2.6K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 0.2% in tier |
| Assets |
$65,680
-36.8% YoY+4.4% QoQ
|
$-29.8M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.2% in tier |
| Loans |
$8,428
-44.2% YoY-14.5% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 1.0% in tier |
| Deposits |
$50,351
-42.5% YoY+5.6% QoQ
|
$-25.4M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 0.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-1.6%
-438.5% YoY-44.7% QoQ
|
-2.3% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.9% in tier |
| NIM |
3.3%
+15.0% YoY-11.4% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
29% |
| Efficiency Ratio |
78.7%
-5.8% YoY-3.9% QoQ
|
-2.7% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
51% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
16.7%
-3.0% YoY-19.1% QoQ
|
-44.5% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.2% in tier |
| AMR |
$1,837
-42.7% YoY+8.5% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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 (5 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
368
Net Worth Ratio
risk
Value:
23.03%
Peer Avg: -
#368 of 2596
Top 14.1% in <100M tier
Top Weaknesses (15 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2592
Total Assets
balance_sheet
Value:
$65,680
Peer Avg: -
#2592 of 2596
Bottom 0.2% in <100M tier
2590
Total Members
engagement
Value:
32
Peer Avg: -
#2590 of 2596
Bottom 0.3% in <100M tier
2586
Total Deposits
balance_sheet
Value:
$50,351
Peer Avg: -
#2586 of 2596
Bottom 0.4% in <100M tier
2581
Asset Growth Rate
growth
Value:
-36.82%
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2579
Deposit Growth Rate
growth
Value:
-42.49%
Peer Avg: -
#2579 of 2596
Bottom 0.7% in <100M tier
2578
Net Charge-Off Rate
risk
Value:
11.32%
Peer Avg: -
#2578 of 2596
Bottom 0.7% in <100M tier
2573
AMR Growth Rate
growth
Value:
-42.75%
Peer Avg: -
#2573 of 2596
Bottom 0.9% in <100M tier
2569
Total Loans
balance_sheet
Value:
$8,428
Peer Avg: -
#2569 of 2596
Bottom 1.1% in <100M tier
2561
Loan Growth Rate
growth
Value:
-44.24%
Peer Avg: -
#2561 of 2596
Bottom 1.4% in <100M tier