BlastPoint's Credit Union Scorecard
ELEMENT
Charter #23162 · WV
ELEMENT has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.44% above tier average
- + Fee Income Per Member: Top 6.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Asset Growth Rate: Bottom 0.3% in tier
- - Deposit Growth Rate: Bottom 0.3% in tier
- - AMR Growth Rate: Bottom 0.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -46.2% year over year ($36.6M in shares and deposits).
- Membership: 4,375 members, -1.5% vs a year ago.
- Delinquency rate 1.38%.
- Return on assets 0.87%.
- Efficiency ratio 86.28% vs a 88.77% peer average.
- Loan-to-share ratio 78.12% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,375
-1.5% YoY-0.6% QoQ
|
+1.8K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$47.3M
-39.9% YoY-7.4% QoQ
|
+$17.0M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
75% |
| Loans |
$28.6M
-10.8% YoY-2.6% QoQ
|
+$13.1M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
81% |
| Deposits |
$36.6M
-46.2% YoY-8.0% QoQ
|
+$10.8M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.9%
-54.1% YoY-43.3% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
53% |
| NIM |
5.3%
+12.5% YoY-5.4% QoQ
|
+1.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
86.3%
+33.5% YoY+12.4% QoQ
|
-2.5% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
1.4%
+13.1% YoY-3.8% QoQ
|
-0.2 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
78.1%
+65.7% YoY+5.8% QoQ
|
+19.2% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
78% |
| AMR |
$14,895
-33.9% YoY-5.1% QoQ
|
$-68 |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
24.1%
+155.4% YoY+1.1% QoQ
|
-0.4% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)