BlastPoint's Credit Union Scorecard

EASTERN PANHANDLE

Charter #19890 · WV

<100M

2508 CUs in <100M nationally 63 in WV

EASTERN PANHANDLE has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.88% above tier average

Key Concerns

Areas that may need attention

- ROA 0.10% below tier average
- Member decline: -3.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	2,728 -3.6% YoY-0.6% QoQ	+51	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	64%
Assets	$18.5M +0.9% YoY+0.1% QoQ	$-11.7M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	46%
Loans	$11.7M -14.6% YoY-3.8% QoQ	$-3.6M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	56%
Deposits	$16.2M -0.1% YoY-0.0% QoQ	$-9.6M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	47%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.0% -97.3% YoY-97.1% QoQ	-0.1%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	23%
NIM	4.9% -3.5% YoY-0.3% QoQ	+0.9%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Top 13.6% in tier
Efficiency Ratio	79.9% +3.4% YoY+2.8% QoQ	-10.7%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	45%
Delinquency Rate	0.8% +111.7% YoY+89.4% QoQ	-0.7	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	55%
Loan To Share	72.5% -14.5% YoY-3.7% QoQ	+14.0%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	71%
AMR	$10,225 -3.2% YoY-1.0% QoQ	$-5K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	30%
CD Concentration	4.9% +42.9% YoY+11.7% QoQ	-19.4%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

341

Net Interest Margin (NIM)

profitability

Value: 4.89%

Peer Median: 3.83%

#341 of 2508 Top 13.6% in <100M tier

Top Weaknesses (4 metrics)

2218

Net Charge-Off Rate

risk

Value: 1.20%

Peer Median: 0.07%

#2218 of 2508 Bottom 11.6% in <100M tier

2200

Loan Growth Rate

growth

Value: -14.59%

Peer Median: -2.36%

#2200 of 2508 Bottom 12.3% in <100M tier

1929

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.61%

#1929 of 2508 Bottom 23.1% in <100M tier

1909

AMR Growth Rate

growth

Value: -3.23%

Peer Median: 1.27%

#1909 of 2508 Bottom 23.9% in <100M tier