BlastPoint's Credit Union Scorecard
RALEIGH CO. EDUCATORS
Charter #23722 · WV
RALEIGH CO. EDUCATORS demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Net Interest Margin 0.34% above tier average
- + Loan Growth Rate: Top 7.6% in tier
- + Net Worth Ratio: Top 9.1% in tier
Key Concerns
Areas that may need attention
No key concerns identified
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -5.5% year over year ($15.5M in shares and deposits).
- Membership: 2,317 members, +1.8% vs a year ago.
- Delinquency rate 0.04%.
- Return on assets 1.63%.
- Efficiency ratio 64.32% vs a 88.77% peer average.
- Loan-to-share ratio 60.45% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,317
+1.8% YoY+1.0% QoQ
|
-268 |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
58% |
| Assets |
$21.3M
-2.8% YoY-1.5% QoQ
|
$-9.0M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$9.4M
+12.2% YoY+5.0% QoQ
|
$-6.1M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$15.5M
-5.5% YoY-2.6% QoQ
|
$-10.3M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
46% |
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| ROA |
1.6%
+128.8% YoY+12.9% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
4.2%
+21.9% YoY+4.8% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
64.3%
-18.5% YoY-2.5% QoQ
|
-24.4% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.0%
-98.0% YoY
|
-1.5 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
60.4%
+18.8% YoY+7.7% QoQ
|
+1.6% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
52% |
| AMR |
$10,766
-1.3% YoY-0.8% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
29.1%
+6.0% YoY+6.5% QoQ
|
+4.6% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)