BlastPoint's Credit Union Scorecard
CHHE
Charter #23545 · WV
CHHE has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.54% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Member decline: -3.7% YoY
- - Net Charge-Off Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,048
-3.7% YoY+1.4% QoQ
|
+1.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$31.3M
+5.1% YoY+2.2% QoQ
|
+$1.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
61% |
| Loans |
$15.4M
+1.1% YoY+0.6% QoQ
|
$-375K |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$28.2M
+5.2% YoY+2.6% QoQ
|
+$2.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
62% |
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| ROA |
0.5%
+116.7% YoY+0.2% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
40% |
| NIM |
4.5%
+9.8% YoY+1.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
73% |
| Efficiency Ratio |
73.2%
-10.4% YoY+0.4% QoQ
|
-9.4% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
1.4%
-19.7% YoY+7.2% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
54.5%
-3.9% YoY-2.0% QoQ
|
-6.1% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$10,778
+7.8% YoY+0.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
22.5%
+12.3% YoY+6.6% QoQ
|
-2.0% | 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)