BlastPoint's Credit Union Scorecard

MARION COUNTY SCHOOL EMPLOYEES

Charter #22428 · WV

<100M

2508 CUs in <100M nationally 63 in WV

MARION COUNTY SCHOOL EMPLOYEES 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 1.10% above tier average
+ Net Interest Margin 0.48% above tier average

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	821 -1.6% YoY+0.9% QoQ	-1.9K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	24%
Assets	$9.7M +2.6% YoY+6.5% QoQ	$-20.5M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	31%
Loans	$2.9M -5.8% YoY+0.2% QoQ	$-12.4M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	24%
Deposits	$7.6M +0.3% YoY+7.9% QoQ	$-18.2M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	30%

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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	1.2% +185.7% YoY-31.8% QoQ	+1.1%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	78%
NIM	4.5% +0.1% YoY-8.7% QoQ	+0.5%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	76%
Efficiency Ratio	69.1% +8.4% YoY+14.9% QoQ	-21.5%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	24%
Delinquency Rate	0.5% +24.7% YoY+139.6% QoQ	-1.0	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	44%
Loan To Share	38.2% -6.1% YoY-7.1% QoQ	-20.3%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	20%
AMR	$12,818 +0.1% YoY+4.8% QoQ	$-2K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	44%
CD Concentration	8.8% +3.5% YoY-4.0% QoQ	-15.4%	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 (7 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

484

Net Worth Ratio

risk

Value: 20.92%

Peer Median: 14.28%

#484 of 2508 Top 19.3% 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

556

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.61%

#556 of 2508 Top 22.1% in <100M tier

595

Net Interest Margin (NIM)

profitability

Value: 4.49%

Peer Median: 3.83%

#595 of 2508 Top 23.7% in <100M tier

607

Efficiency Ratio

profitability

Value: 69.09%

Peer Median: 81.45%

#607 of 2508 Top 24.2% in <100M tier

Top Weaknesses (4 metrics)

2093

Members Per Employee (MPE)

engagement

Value: 205.250

Peer Median: 333.750

#2093 of 2508 Bottom 16.6% in <100M tier

2013

Loan-to-Share Ratio

balance_sheet

Value: 38.22%

Peer Median: 58.72%

#2013 of 2508 Bottom 19.8% in <100M tier

1916

Total Loans

balance_sheet

Value: $2.91M

Peer Median: $9.48M

#1916 of 2508 Bottom 23.6% in <100M tier

1915

Total Members

engagement

Value: 821

Peer Median: 1,918

#1915 of 2508 Bottom 23.7% in <100M tier