BlastPoint's Credit Union Scorecard
EASTERN PANHANDLE
Charter #19890 · WV
EASTERN PANHANDLE has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.80% above tier average
- + Net Interest Margin 0.95% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.6% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,745
-3.6% YoY-3.8% QoQ
|
+129 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$18.5M
+3.5% YoY-1.1% QoQ
|
$-11.7M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
46% |
| Loans |
$12.2M
-10.7% YoY-3.6% QoQ
|
$-3.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
56% |
| Deposits |
$16.2M
+2.2% YoY-1.4% QoQ
|
$-9.5M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
1.4%
+108.4% YoY-21.6% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.9%
-4.9% YoY-4.1% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
77.7%
+8.9% YoY+6.7% QoQ
|
-4.8% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.4%
+172.1% YoY+279.3% QoQ
|
-1.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
36% |
| Loan To Share |
75.3%
-12.6% YoY-2.3% QoQ
|
+14.7% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$10,330
-0.1% YoY+1.4% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
4.4%
+66.0% YoY+0.8% QoQ
|
-20.0% | 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)