BlastPoint's Credit Union Scorecard
NATRIUM EMPLOYEES
Charter #24090 · WV
NATRIUM EMPLOYEES demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.24% 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
- + Loan Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
760
+2.6% YoY+0.1% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
22% |
| Assets |
$11.2M
+6.4% YoY-1.9% QoQ
|
$-18.7M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
34% |
| Loans |
$6.7M
+10.9% YoY+3.7% QoQ
|
$-9.1M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$9.8M
+7.2% YoY-2.8% QoQ
|
$-15.6M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
36% |
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| ROA |
1.9%
+31.1% YoY+9.1% QoQ
|
+1.2% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 10.3% in tier |
| NIM |
4.5%
+16.1% YoY+2.7% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
74% |
| Efficiency Ratio |
60.4%
-7.3% YoY-3.7% QoQ
|
-21.0% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
1.0%
+160.0% YoY-15.8% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
67.8%
+3.4% YoY+6.7% QoQ
|
+6.6% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$21,723
+5.9% YoY-0.4% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 14.9% in tier |
| CD Concentration |
0.3%
-6.2% YoY+3.0% QoQ
|
-24.1% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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)