BlastPoint's Credit Union Scorecard

ALLOY

Charter #20324 · WV

<100M

2508 CUs in <100M nationally 63 in WV

ALLOY demonstrates 2 strengths

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.86% above tier average
+ Net Interest Margin 0.05% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	4,887 +3.2% YoY+0.7% QoQ	+2.2K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Top 14.0% in tier
Assets	$29.7M +6.5% YoY+4.7% QoQ	$-520K	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	59%
Loans	$18.7M -3.8% YoY+2.3% QoQ	+$3.4M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	68%
Deposits	$25.3M +6.2% YoY+5.3% QoQ	$-438K	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	59%

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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	1.0% +4.2% YoY-4.3% QoQ	+0.9%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	69%
NIM	4.1% -9.2% YoY-4.3% QoQ	+0.1%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	61%
Efficiency Ratio	81.8% +10.3% YoY+8.1% QoQ	-8.8%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	50%
Delinquency Rate	1.1% -21.8% YoY-42.3% QoQ	-0.4	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	65%
Loan To Share	73.7% -9.4% YoY-2.9% QoQ	+15.1%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	72%
AMR	$9,006 -1.4% YoY+3.2% QoQ	$-6K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	23%
CD Concentration	17.5% +51.3% YoY+11.7% QoQ	-6.8%	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 (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

274

Members Per Employee (MPE)

engagement

Value: 543.000

Peer Median: 333.750

#274 of 2508 Top 10.9% in <100M tier

285

Member Growth Rate

growth

Value: 3.17%

Peer Median: -1.37%

#285 of 2508 Top 11.3% in <100M tier

352

Total Members

engagement

Value: 4,887

Peer Median: 1,918

#352 of 2508 Top 14.0% in <100M tier

407

Net Charge-Off Rate

risk

Value: -0.02%

Peer Median: 0.07%

#407 of 2508 Top 16.2% in <100M tier

428

Asset Growth Rate

growth

Value: 6.54%

Peer Median: 1.30%

#428 of 2508 Top 17.0% in <100M tier

464

Deposit Growth Rate

growth

Value: 6.19%

Peer Median: 0.66%

#464 of 2508 Top 18.5% in <100M tier

Top Weaknesses (1 metrics)

1927

Average Member Relationship (AMR)

engagement

Value: $9,006

Peer Median: $13,926

#1927 of 2508 Bottom 23.2% in <100M tier