BlastPoint's Credit Union Scorecard
ELEMENT
Charter #23162 · WV
ELEMENT has 10 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.19% above tier average
- + Net Interest Margin 0.66% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 1.7% in tier
- + Deposit Growth Rate: Top 2.2% in tier
- + Total Deposits: Top 6.5% in tier
- + Total Assets: Top 7.1% in tier
- + Fee Income Per Member: Top 7.7% in tier
- + AMR Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.13% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,424
-1.6% YoY-0.4% QoQ
|
+1.8K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$81.5M
+20.1% YoY+3.5% QoQ
|
+$51.6M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Top 7.1% in tier |
| Loans |
$31.0M
-8.6% YoY-3.2% QoQ
|
+$15.2M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
83% |
| Deposits |
$70.5M
+19.6% YoY+3.7% QoQ
|
+$45.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Top 6.6% in tier |
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| ROA |
1.9%
+21.0% YoY-0.7% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 11.3% in tier |
| NIM |
4.6%
-6.5% YoY-3.1% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
64.4%
-10.7% YoY-0.4% QoQ
|
-17.0% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
20% |
| Delinquency Rate |
1.6%
+213.9% YoY+33.8% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
74% |
| Loan To Share |
44.0%
-23.6% YoY-6.7% QoQ
|
-17.2% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
24% |
| AMR |
$22,940
+11.1% YoY+1.9% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 12.1% in tier |
| CD Concentration |
10.3%
+15.6% YoY+9.1% QoQ
|
-14.1% |
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)