BlastPoint's Credit Union Scorecard
MARSHALL COUNTY
Charter #21713 · WV
MARSHALL COUNTY has 9 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.79% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + Asset Growth Rate: Top 5.8% in tier
- + Net Charge-Off Rate: Top 6.0% in tier
- + AMR Growth Rate: Top 6.4% in tier
- + Deposit Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,551
-3.0% YoY+0.8% QoQ
|
-74 |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
61% |
| Assets |
$26.0M
+11.7% YoY+0.3% QoQ
|
$-3.8M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$9.7M
+6.9% YoY+3.4% QoQ
|
$-6.0M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
50% |
| Deposits |
$22.5M
+10.2% YoY-0.5% QoQ
|
$-3.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
2.5%
+12.2% YoY+4.6% QoQ
|
+1.8% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 3.9% in tier |
| NIM |
4.0%
+6.0% YoY+1.8% QoQ
|
+0.0% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
44.0%
-7.8% YoY-3.0% QoQ
|
-37.4% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
0.0%
-96.8% YoY-97.5% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 12.8% in tier |
| Loan To Share |
43.3%
-3.0% YoY+3.8% QoQ
|
-17.9% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
23% |
| AMR |
$12,631
+12.5% YoY-0.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration |
1.2%
-10.1% YoY+0.5% QoQ
|
-23.2% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)