BlastPoint's Credit Union Scorecard

MARSHALL COUNTY

Charter #21713 · WV

<100M

2508 CUs in <100M nationally 63 in WV

MARSHALL COUNTY demonstrates 2 strengths

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 2.14% above tier average
+ Efficiency Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	2,490 -1.9% YoY-2.7% QoQ	-186	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	60%
Assets	$27.0M +5.3% YoY+3.0% QoQ	$-3.2M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	56%
Loans	$9.7M +4.6% YoY+0.3% QoQ	$-5.6M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	51%
Deposits	$23.1M +3.2% YoY+2.8% QoQ	$-2.7M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	56%

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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	2.3% -0.1% YoY-7.7% QoQ	+2.1%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	Top 4.1% in tier
NIM	3.9% +0.2% YoY-2.3% QoQ	-0.1%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	53%
Efficiency Ratio	46.8% -0.7% YoY+6.5% QoQ	-43.8%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	Top 3.6% in tier
Delinquency Rate	0.1% -22.7% YoY-2.5% QoQ	-1.4	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	25%
Loan To Share	42.0% +1.4% YoY-2.4% QoQ	-16.5%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	24%
AMR	$13,186 +5.6% YoY+4.9% QoQ	$-2K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	46%
CD Concentration	1.1% -24.6% YoY-10.3% QoQ	-23.2%	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 (9 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

Efficiency Ratio

profitability

Value: 46.83%

Peer Median: 81.45%

#91 of 2508 Top 3.6% in <100M tier

103

Return on Assets (ROA)

profitability

Value: 2.29%

Peer Median: 0.61%

#103 of 2508 Top 4.1% 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

541

Loan Growth Rate

growth

Value: 4.57%

Peer Median: -2.36%

#541 of 2508 Top 21.5% in <100M tier

561

Asset Growth Rate

growth

Value: 5.32%

Peer Median: 1.30%

#561 of 2508 Top 22.3% in <100M tier

579

AMR Growth Rate

growth

Value: 5.57%

Peer Median: 1.27%

#579 of 2508 Top 23.0% in <100M tier

620

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: 0.65%

#620 of 2508 Top 24.7% in <100M tier

Top Weaknesses (1 metrics)

1901

Loan-to-Share Ratio

balance_sheet

Value: 41.98%

Peer Median: 58.72%

#1901 of 2508 Bottom 24.2% in <100M tier