BlastPoint's Credit Union Scorecard
C C M H
Charter #21057 · WV
C C M H has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 9.82% above tier (higher cost structure)
- - Member decline: -4.4% YoY
- - Asset Growth Rate: Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
936
-4.4% YoY-0.2% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$5.0M
-6.6% YoY-3.3% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.9M
-1.9% YoY+0.2% QoQ
|
$-11.8M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$4.4M
-7.7% YoY-3.9% QoQ
|
$-21.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
0.3%
-28.8% YoY-6.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
4.4%
+4.8% YoY+1.9% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
92.4%
+2.7% YoY+0.6% QoQ
|
+9.8% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
79% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
88.8%
+6.3% YoY+4.3% QoQ
|
+28.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Top 11.3% in tier |
| AMR |
$8,902
-0.7% YoY-1.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
23% |
| CD Concentration |
11.2%
+20.0% YoY+12.9% QoQ
|
-13.2% | 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)