BlastPoint's Credit Union Scorecard
ELEMENT
Charter #23162 · WV
ELEMENT has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.38% above tier average
- + Net Interest Margin 1.63% above tier average
- + Net Charge-Off Rate: Top 3.8% in tier
- + Fee Income Per Member: Top 4.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.5% YoY
- - Deposit Growth Rate: Bottom 0.5% in tier
- - Asset Growth Rate: Bottom 0.6% in tier
- - AMR Growth Rate: Bottom 1.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,401
-2.5% YoY-0.6% QoQ
|
+1.7K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
82% |
| Assets |
$51.0M
-31.0% YoY-39.7% QoQ
|
+$20.8M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$29.3M
-10.6% YoY-3.2% QoQ
|
+$14.1M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
82% |
| Deposits |
$39.8M
-37.5% YoY-45.9% QoQ
|
+$14.0M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
75% |
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| ROA |
1.5%
-24.7% YoY+5.5% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 14.4% in tier |
| NIM |
5.6%
+12.3% YoY+25.2% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 5.6% in tier |
| Efficiency Ratio |
76.8%
+21.7% YoY+11.3% QoQ
|
-13.9% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
1.4%
+31.5% YoY+8.5% QoQ
|
-0.1 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
73% |
| Loan To Share |
73.8%
+43.2% YoY+79.1% QoQ
|
+15.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
73% |
| AMR |
$15,701
-26.5% YoY-33.1% QoQ
|
+$817 |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
23.9%
+176.0% YoY+96.4% QoQ
|
-0.4% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)