BlastPoint's Credit Union Scorecard
ALLOY
Charter #20324 · WV
ALLOY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 0.29% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.28% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,851
+3.2% YoY+0.5% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 14.9% in tier |
| Assets |
$28.3M
+8.2% YoY+1.8% QoQ
|
$-1.8M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
58% |
| Loans |
$18.2M
-7.6% YoY-2.7% QoQ
|
+$2.5M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$24.1M
+8.2% YoY+1.6% QoQ
|
$-1.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
58% |
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| ROA |
1.0%
+86.4% YoY+14.5% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
68% |
| NIM |
4.2%
+15.8% YoY+1.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
64% |
| Efficiency Ratio |
75.7%
-7.7% YoY-1.0% QoQ
|
-6.9% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.8%
-14.3% YoY+52.7% QoQ
|
+0.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
76% |
| Loan To Share |
75.8%
-14.6% YoY-4.2% QoQ
|
+15.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$8,723
-2.4% YoY-0.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
15.6%
+38.9% YoY+1.9% QoQ
|
-8.8% | 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)