BlastPoint's Credit Union Scorecard

NATRIUM EMPLOYEES

Charter #24090 · WV

<100M

2508 CUs in <100M nationally 63 in WV

NATRIUM EMPLOYEES demonstrates 3 strengths

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.88% above tier average
+ Net Interest Margin 0.74% above tier average
+ Efficiency Ratio: Top 8.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	756 -0.1% YoY+0.8% QoQ	-1.9K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	21%
Assets	$11.8M +6.9% YoY+0.6% QoQ	$-18.4M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	35%
Loans	$6.8M +8.9% YoY-0.4% QoQ	$-8.5M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	41%
Deposits	$10.4M +5.5% YoY+0.0% QoQ	$-15.4M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	37%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	2.0% +11.2% YoY+15.7% QoQ	+1.9%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	Top 6.0% in tier
NIM	4.7% +1.4% YoY+4.3% QoQ	+0.7%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	56.2% -11.3% YoY-9.4% QoQ	-34.4%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	Top 8.5% in tier
Delinquency Rate	0.5% +132.4% YoY-44.0% QoQ	-1.0	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	45%
Loan To Share	65.2% +3.2% YoY-0.4% QoQ	+6.7%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	60%
AMR	$22,625 +6.9% YoY-1.0% QoQ	+$8K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	Top 13.4% in tier
CD Concentration	0.3% -4.7% YoY+0.1% QoQ	-23.9%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (13 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

151

Return on Assets (ROA)

profitability

Value: 2.03%

Peer Median: 0.61%

#151 of 2508 Top 6.0% in <100M tier

215

Efficiency Ratio

profitability

Value: 56.20%

Peer Median: 81.45%

#215 of 2508 Top 8.5% in <100M tier

296

Loan Growth Rate

growth

Value: 8.87%

Peer Median: -2.36%

#296 of 2508 Top 11.8% in <100M tier

298

Loan-to-Member Ratio (LMR)

engagement

Value: $8,933

Peer Median: $4,923

#298 of 2508 Top 11.8% in <100M tier

336

Average Member Relationship (AMR)

engagement

Value: $22,625

Peer Median: $13,926

#336 of 2508 Top 13.4% in <100M tier

385

Asset Growth Rate

growth

Value: 6.90%

Peer Median: 1.30%

#385 of 2508 Top 15.3% in <100M tier

414

Net Interest Margin (NIM)

profitability

Value: 4.74%

Peer Median: 3.83%

#414 of 2508 Top 16.5% in <100M tier

430

AMR Growth Rate

growth

Value: 6.94%

Peer Median: 1.27%

#430 of 2508 Top 17.1% in <100M tier

Top Weaknesses (1 metrics)

1972

Total Members

engagement

Value: 756

Peer Median: 1,918

#1972 of 2508 Bottom 21.4% in <100M tier