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 0.05% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.56% below tier average
- - Efficiency ratio 15.21% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 8.2% in tier
- - Deposit Growth Rate: Bottom 8.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
935
-0.4% YoY-0.1% QoQ
|
-1.7K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
27% |
| Assets |
$5.2M
-7.5% YoY+3.7% QoQ
|
$-25.0M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
19% |
| Loans |
$3.8M
-4.2% YoY-2.4% QoQ
|
$-11.5M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
28% |
| Deposits |
$4.6M
-8.6% YoY+4.3% QoQ
|
$-21.2M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
21% |
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| ROA |
-0.4%
-199.1% YoY-226.5% QoQ
|
-0.6% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 14.0% in tier |
| NIM |
4.1%
-2.1% YoY-7.4% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
61% |
| Efficiency Ratio |
105.8%
+17.2% YoY+14.6% QoQ
|
+15.2% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.0% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
83.1%
+4.8% YoY-6.4% QoQ
|
+24.6% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Top 15.0% in tier |
| AMR |
$9,015
-6.2% YoY+1.3% QoQ
|
$-6K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
23% |
| CD Concentration |
9.5%
+14.7% YoY-15.2% QoQ
|
-14.8% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)