BlastPoint's Credit Union Scorecard
UNION TRADES
Charter #21100 · WV
UNION TRADES has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.97% above tier average
- + Net Interest Margin 0.22% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.1% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,810
-5.1% YoY-3.4% QoQ
|
+184 |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
64% |
| Assets |
$33.3M
+3.7% YoY-2.7% QoQ
|
+$3.5M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$10.7M
-9.4% YoY+0.2% QoQ
|
$-5.0M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
53% |
| Deposits |
$27.2M
+2.7% YoY-3.8% QoQ
|
+$1.8M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
1.7%
+46.7% YoY+3.9% QoQ
|
+1.0% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
4.1%
+0.1% YoY+2.2% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
68.5%
-12.9% YoY-1.1% QoQ
|
-12.9% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
28% |
| Delinquency Rate |
1.1%
-12.4% YoY-17.3% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
39.4%
-11.8% YoY+4.1% QoQ
|
-21.8% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$13,510
+4.3% YoY+0.8% QoQ
|
$-1K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
49% |
| CD Concentration |
15.3%
+4.2% YoY+11.8% QoQ
|
-9.1% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)