BlastPoint's Credit Union Scorecard
HOPE
Charter #220 · WV
HOPE demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.00% above tier average
- + Members Per Employee (MPE): Top 6.5% in tier
- + Efficiency Ratio: Top 8.0% 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 |
2,498
+2.5% YoY-3.1% QoQ
|
-178 |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$43.5M
+8.0% YoY+4.6% QoQ
|
+$13.3M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
72% |
| Loans |
$19.4M
-1.9% YoY+2.7% QoQ
|
+$4.1M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$35.0M
+8.7% YoY+5.3% QoQ
|
+$9.2M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
69% |
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| ROA |
1.1%
-21.5% YoY+3.2% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
3.0%
-5.3% YoY-1.4% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
55.5%
+1.7% YoY-5.0% QoQ
|
-35.2% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 8.0% in tier |
| Delinquency Rate |
0.6%
+190.7% YoY+716.6% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
55.6%
-9.7% YoY-2.4% QoQ
|
-2.9% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
46% |
| AMR |
$21,767
+2.1% YoY+7.7% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
84% |
| CD Concentration |
29.2%
-0.2% YoY-1.5% QoQ
|
+5.0% | 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)