BlastPoint's Credit Union Scorecard
RALEIGH CO. EDUCATORS
Charter #23722 · WV
RALEIGH CO. EDUCATORS demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% 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 |
2,288
-0.5% YoY+0.0% QoQ
|
-327 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$21.3M
+0.7% YoY-0.4% QoQ
|
$-8.8M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$8.7M
+0.4% YoY+0.6% QoQ
|
$-7.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
47% |
| Deposits |
$15.8M
-0.2% YoY-0.7% QoQ
|
$-9.9M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
46% |
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| ROA |
1.0%
+37.0% YoY+7.6% QoQ
|
+0.4% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
67% |
| NIM |
3.7%
+3.6% YoY+3.3% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
73.0%
-7.3% YoY-1.8% QoQ
|
-9.5% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.6%
+0.4% YoY-56.0% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
46% |
| Loan To Share |
55.1%
+0.6% YoY+1.3% QoQ
|
-5.5% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$10,693
+0.5% YoY-0.3% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
27.4%
+3.5% YoY-2.0% QoQ
|
+3.0% | 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)