BlastPoint's Credit Union Scorecard
LOGAN COUNTY SCHOOL EMPLOYEES
Charter #24200 · WV
LOGAN COUNTY SCHOOL EMPLOYEES has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 0.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.49% below tier average
- - Efficiency ratio 13.62% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Loan-to-Member Ratio (LMR): Bottom 2.8% in tier
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Total Loans: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 4.2% in tier
- - Total Assets: Bottom 6.5% in tier
- - Total Deposits: Bottom 7.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
407
-2.4% YoY+0.2% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.3% in tier |
| Assets |
$1.2M
-3.4% YoY-1.5% QoQ
|
$-28.9M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.5% in tier |
| Loans |
$166,550
-12.4% YoY-10.5% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.9% in tier |
| Deposits |
$964,733
-7.5% YoY-1.8% QoQ
|
$-24.7M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.9% in tier |
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| ROA |
0.1%
-138.6% YoY-44.1% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
3.3%
-0.8% YoY+7.8% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
96.2%
+16.8% YoY+3.8% QoQ
|
+13.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
85% |
| Delinquency Rate |
0.2%
-93.0% YoY-85.1% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
17.3%
-5.3% YoY-8.8% QoQ
|
-43.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.6% in tier |
| AMR |
$2,780
-6.0% YoY-3.4% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.1% in tier |
| CD Concentration |
0.4%
+8.1% YoY+1.8% QoQ
|
-24.0% | 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)