BlastPoint's Credit Union Scorecard
PUTNAM SCHOOL EMPLOYEES
Charter #21107 · WV
PUTNAM SCHOOL EMPLOYEES has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.87% above tier average
- + Net Interest Margin 3.23% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Members Per Employee (MPE): Top 6.3% in tier
- + Net Charge-Off Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.3% YoY
- - Fee Income Per Member: Bottom 4.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,892
-3.3% YoY-0.6% QoQ
|
-784 |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
49% |
| Assets |
$14.1M
+1.3% YoY+2.2% QoQ
|
$-16.1M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
39% |
| Loans |
$6.7M
+1.1% YoY-3.2% QoQ
|
$-8.6M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
41% |
| Deposits |
$11.1M
-0.6% YoY+2.2% QoQ
|
$-14.7M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
3.0%
+93.3% YoY+83.9% QoQ
|
+2.9% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 2.0% in tier |
| NIM |
7.2%
+105.7% YoY+99.0% QoQ
|
+3.2% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 1.0% in tier |
| Efficiency Ratio |
58.3%
+4.6% YoY+27.4% QoQ
|
-32.4% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 10.2% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-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 |
60.3%
+1.7% YoY-5.3% QoQ
|
+1.8% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$9,389
+3.5% YoY+0.7% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration | 0.0% | -24.3% | 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)