BlastPoint's Credit Union Scorecard
ELEMENT
Charter #23162 · WV
ELEMENT demonstrates 9 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.55% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.4% in tier
- + Deposit Growth Rate: Top 1.5% in tier
- + Total Deposits: Top 5.6% in tier
- + Total Assets: Top 5.9% in tier
- + AMR Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,426
-1.7% YoY+0.0% QoQ
|
+1.8K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$84.6M
+21.3% YoY+3.8% QoQ
|
+$54.4M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Top 6.0% in tier |
| Loans |
$30.3M
-9.3% YoY-2.3% QoQ
|
+$14.5M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
83% |
| Deposits |
$73.5M
+21.5% YoY+4.4% QoQ
|
+$47.9M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Top 5.7% in tier |
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| ROA |
1.5%
-22.5% YoY-22.7% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.5%
-8.8% YoY-1.9% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
69.0%
+2.2% YoY+7.1% QoQ
|
-13.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.3%
+21.7% YoY-19.0% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
41.2%
-25.4% YoY-6.3% QoQ
|
-19.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
21% |
| AMR |
$23,465
+12.4% YoY+2.3% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Top 11.1% in tier |
| CD Concentration |
12.1%
+42.3% YoY+17.8% QoQ
|
-12.3% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)