BlastPoint's Credit Union Scorecard
OHIO COUNTY PUBLIC SCHOOLS
Charter #19881 · WV
OHIO COUNTY PUBLIC SCHOOLS has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.96% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.04% below tier average
- - Efficiency ratio 6.54% above tier (higher cost structure)
- - Member decline: -8.7% YoY
- - Member Growth Rate: Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
618
-8.7% YoY-0.3% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$5.6M
-3.4% YoY-2.0% QoQ
|
$-24.5M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$2.7M
+6.8% YoY-2.0% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.9M
-4.5% YoY-2.1% QoQ
|
$-20.8M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.6%
-43.7% YoY+27.2% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
44% |
| NIM |
4.9%
+6.8% YoY+6.0% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
89.1%
+15.5% YoY-1.7% QoQ
|
+6.5% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
73% |
| Delinquency Rate | 0.2% | -1.4 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
54.2%
+11.7% YoY+0.1% QoQ
|
-6.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$12,274
+8.7% YoY-1.7% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
41% |
| 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)