BlastPoint's Credit Union Scorecard

HANCOCK SCHOOL EMP.

Charter #21115 · WV

<100M

2508 CUs in <100M nationally 63 in WV

HANCOCK SCHOOL EMP. has 1 strength but faces 1 concern

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 0.57% above tier average

Key Concerns

Areas that may need attention

- Loan-to-Share Ratio: Bottom 7.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	1,402 +0.8% YoY0% QoQ	-1.3K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	38%
Assets	$24.3M +0.2% YoY+2.6% QoQ	$-5.9M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	53%
Loans	$5.3M -12.7% YoY-5.8% QoQ	$-9.9M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	36%
Deposits	$21.6M -0.4% YoY+2.7% QoQ	$-4.2M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	54%

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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	0.7% +1070.6% YoY-10.1% QoQ	+0.6%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	56%
NIM	2.6% +31.8% YoY+5.4% QoQ	-1.4%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 10.2% in tier
Efficiency Ratio	73.1% -24.6% YoY+6.7% QoQ	-17.5%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	0.4% -71.8% YoY-36.0% QoQ	-1.1	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	40%
Loan To Share	24.8% -12.4% YoY-8.2% QoQ	-33.7%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	Bottom 7.1% in tier
AMR	$19,198 -3.9% YoY+0.9% QoQ	+$4K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	75%
CD Concentration	6.8% +21.0% YoY-3.7% QoQ	-17.5%	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

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

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

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (5 metrics)

2329

Loan-to-Share Ratio

balance_sheet

Value: 24.77%

Peer Median: 58.72%

#2329 of 2508 Bottom 7.2% in <100M tier

2252

Net Interest Margin (NIM)

profitability

Value: 2.65%

Peer Median: 3.83%

#2252 of 2508 Bottom 10.2% in <100M tier

2128

Fee Income Per Member

profitability

Value: $4.90

Peer Median: $60.42

#2128 of 2508 Bottom 15.2% in <100M tier

2118

Loan Growth Rate

growth

Value: -12.75%

Peer Median: -2.36%

#2118 of 2508 Bottom 15.6% in <100M tier

1981

AMR Growth Rate

growth

Value: -3.90%

Peer Median: 1.27%

#1981 of 2508 Bottom 21.1% in <100M tier