BlastPoint's Credit Union Scorecard
PUTNAM SCHOOL EMPLOYEES
Charter #21107 · WV
PUTNAM SCHOOL EMPLOYEES has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.33% above tier average
- + Net Interest Margin 1.85% above tier average
- + Efficiency Ratio: Top 0.7% in tier
- + Members Per Employee (MPE): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - Fee Income Per Member: Bottom 9.6% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -0.9% year over year ($11.1M in shares and deposits).
- Membership: 1,887 members, -2.4% vs a year ago.
- Delinquency rate 0.14%.
- Return on assets 3.82%.
- Efficiency ratio 33.91% vs a 88.77% peer average.
- Loan-to-share ratio 60.03% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,887
-2.4% YoY-0.3% QoQ
|
-698 |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
50% |
| Assets |
$14.1M
+0.9% YoY+0.6% QoQ
|
$-16.1M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$6.7M
-0.2% YoY-0.1% QoQ
|
$-8.8M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
41% |
| Deposits |
$11.1M
-0.9% YoY+0.4% QoQ
|
$-14.7M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
3.8%
+184.5% YoY+26.6% QoQ
|
+2.3% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
Top 2.7% in tier |
| NIM |
5.8%
+64.0% YoY-20.5% QoQ
|
+1.9% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
33.9%
-39.9% YoY-41.8% QoQ
|
-54.9% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
0.1%
+47.9% YoY
|
-1.4 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
60.0%
+0.8% YoY-0.5% QoQ
|
+1.1% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$9,434
+1.8% YoY+0.5% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)