BlastPoint's Credit Union Scorecard
HANCOCK SCHOOL EMP.
Charter #21115 · WV
HANCOCK SCHOOL EMP. has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.2% YoY
- - Loan-to-Share Ratio: Bottom 7.9% in tier
- - Net Interest Margin (NIM): Bottom 8.0% in tier
- - Member Growth Rate: Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,402
-7.2% YoY+0.3% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$23.6M
+0.1% YoY-0.9% QoQ
|
$-6.5M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
52% |
| Loans |
$5.7M
-11.4% YoY-7.5% QoQ
|
$-10.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
37% |
| Deposits |
$21.0M
-0.3% YoY-1.1% QoQ
|
$-4.7M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
54% |
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| ROA |
0.8%
+404.7% YoY+97.5% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
2.5%
-5.3% YoY+2.8% QoQ
|
-1.4% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio |
68.5%
-27.2% YoY-18.0% QoQ
|
-14.0% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
0.7%
+275.2% YoY-1.9% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
27.0%
-11.1% YoY-6.5% QoQ
|
-33.6% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.8% in tier |
| AMR |
$19,027
+4.6% YoY-2.8% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
7.1%
+63.0% YoY+1.3% QoQ
|
-17.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)