BlastPoint's Credit Union Scorecard

UNION TRADES

Charter #21100 · WV

<100M

2508 CUs in <100M nationally 63 in WV

UNION TRADES demonstrates 1 strength

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 1.09% 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	2,931 +0.5% YoY+3.8% QoQ	+254	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	66%
Assets	$35.1M +4.7% YoY-0.3% QoQ	+$4.9M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	65%
Loans	$9.7M -10.6% YoY-2.6% QoQ	$-5.6M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	51%
Deposits	$28.7M +3.7% YoY-0.8% QoQ	+$3.0M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	63%

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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	1.2% -0.4% YoY-22.9% QoQ	+1.1%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	78%
NIM	3.9% +1.8% YoY-2.3% QoQ	-0.1%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	73.2% -2.3% YoY+6.0% QoQ	-17.4%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	31%
Delinquency Rate	1.2% -9.6% YoY-27.9% QoQ	-0.3	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	69%
Loan To Share	33.6% -13.8% YoY-1.8% QoQ	-24.9%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	Bottom 14.9% in tier
AMR	$13,098 -0.8% YoY-4.9% QoQ	$-2K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	46%
CD Concentration	14.9% -6.7% YoY+1.3% QoQ	-9.4%	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 (3 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

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

334

Fee Income Per Member

profitability

Value: $143.09

Peer Median: $60.42

#334 of 2508 Top 13.3% in <100M tier

564

Return on Assets (ROA)

profitability

Value: 1.23%

Peer Median: 0.61%

#564 of 2508 Top 22.4% in <100M tier

Top Weaknesses (3 metrics)

2132

Loan-to-Share Ratio

balance_sheet

Value: 33.59%

Peer Median: 58.72%

#2132 of 2508 Bottom 15.0% in <100M tier

1988

Loan Growth Rate

growth

Value: -10.56%

Peer Median: -2.36%

#1988 of 2508 Bottom 20.8% in <100M tier

1887

Net Charge-Off Rate

risk

Value: 0.54%

Peer Median: 0.07%

#1887 of 2508 Bottom 24.8% in <100M tier