BlastPoint's Credit Union Scorecard
OHIO COUNTY PUBLIC SCHOOLS
Charter #19881 · WV
OHIO COUNTY PUBLIC SCHOOLS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.46% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Efficiency ratio 10.53% above tier (higher cost structure)
- - Member decline: -8.8% YoY
- - Member Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
619
-8.8% YoY+0.2% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$5.7M
-3.5% YoY+0.3% QoQ
|
$-24.5M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
21% |
| Loans |
$2.6M
+1.3% YoY-3.3% QoQ
|
$-12.7M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$4.9M
-4.8% YoY-0.1% QoQ
|
$-20.9M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
22% |
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| ROA |
-0.4%
-211.2% YoY-161.5% QoQ
|
-0.5% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.8% in tier |
| NIM |
4.5%
+1.3% YoY-9.0% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
76% |
| Efficiency Ratio |
101.2%
+8.5% YoY+13.5% QoQ
|
+10.5% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 14.7% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-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 |
52.5%
+6.5% YoY-3.2% QoQ
|
-6.0% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$12,099
+6.6% YoY-1.4% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
39% |
| 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)
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)