BlastPoint's Credit Union Scorecard
NATRIUM EMPLOYEES
Charter #24090 · WV
NATRIUM EMPLOYEES demonstrates 7 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.13% above tier average
- + Net Interest Margin 0.60% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 3.1% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + AMR Growth Rate: Top 7.4% 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 |
750
+0.1% YoY-1.3% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$11.7M
+15.4% YoY+4.9% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$6.8M
+8.2% YoY+1.6% QoQ
|
$-9.0M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
41% |
| Deposits |
$10.4M
+14.5% YoY+5.2% QoQ
|
$-15.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
37% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+24.7% YoY-8.7% QoQ
|
+1.1% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 10.6% in tier |
| NIM |
4.5%
+12.5% YoY+0.4% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
62.0%
-8.4% YoY+2.8% QoQ
|
-20.5% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 13.7% in tier |
| Delinquency Rate |
0.9%
+245.7% YoY-4.6% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
65.5%
-5.5% YoY-3.4% QoQ
|
+4.9% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$22,842
+11.8% YoY+5.2% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Top 12.4% in tier |
| CD Concentration |
0.3%
-12.2% YoY-4.8% QoQ
|
-24.1% | 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)