BlastPoint's Credit Union Scorecard
LOGAN COUNTY SCHOOL EMPLOYEES
Charter #24200 · WV
2596 CUs in <100M nationally
63 in WV
LOGAN COUNTY SCHOOL EMPLOYEES has 3 strengths but faces 13 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 0.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.45% below tier average
- - Efficiency ratio 11.26% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Member decline: -2.9% YoY
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Deposit Growth Rate: Bottom 3.6% in tier
- - Asset Growth Rate: Bottom 3.8% in tier
- - Loan-to-Share Ratio: Bottom 4.1% in tier
- - Total Loans: Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Assets: Bottom 6.7% in tier
- - AMR Growth Rate: Bottom 6.8% in tier
- - Total Deposits: Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
406
-2.9% YoY-1.2% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 11.4% in tier |
| Assets |
$1.2M
-11.8% YoY-3.9% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 6.7% in tier |
| Loans |
$186,004
-10.0% YoY+11.9% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.2% in tier |
| Deposits |
$982,447
-14.2% YoY-5.1% QoQ
|
$-24.5M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.2% in tier |
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| ROA |
0.2%
-143.0% YoY-277.3% QoQ
|
-0.5% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
25% |
| NIM |
3.0%
-4.0% YoY+13.5% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
92.7%
-1.0% YoY-11.5% QoQ
|
+11.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
81% |
| Delinquency Rate |
1.6%
-77.4% YoY-50.1% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
18.9%
+4.9% YoY+17.9% QoQ
|
-42.3% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.9% in tier |
| AMR |
$2,878
-11.0% YoY-1.5% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.5% in tier |
| CD Concentration |
0.4%
-19.7% YoY+5.3% QoQ
|
-24.0% |
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)
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)
Top Strengths (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
18
Net Charge-Off Rate
risk
Value:
-0.73%
Peer Avg: -
#18 of 2596
Top 0.7% in <100M tier
589
Net Worth Ratio
risk
Value:
19.84%
Peer Avg: -
#589 of 2596
Top 22.7% in <100M tier
616
Share Certificate Concentration (%)
balance_sheet
Value:
0.43%
Peer Avg: -
#616 of 2596
Top 23.7% in <100M tier
Top Weaknesses (14 metrics)
2512
Loan-to-Member Ratio (LMR)
engagement
Value:
$458.14
Peer Avg: -
#2512 of 2596
Bottom 3.3% in <100M tier
2504
Deposit Growth Rate
growth
Value:
-14.18%
Peer Avg: -
#2504 of 2596
Bottom 3.6% in <100M tier
2498
Asset Growth Rate
growth
Value:
-11.82%
Peer Avg: -
#2498 of 2596
Bottom 3.8% in <100M tier
2490
Loan-to-Share Ratio
balance_sheet
Value:
18.93%
Peer Avg: -
#2490 of 2596
Bottom 4.1% in <100M tier
2487
Total Loans
balance_sheet
Value:
$186,004
Peer Avg: -
#2487 of 2596
Bottom 4.2% in <100M tier
2478
Average Member Relationship (AMR)
engagement
Value:
$2,878
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2422
Total Assets
balance_sheet
Value:
$1.23M
Peer Avg: -
#2422 of 2596
Bottom 6.7% in <100M tier
2420
AMR Growth Rate
growth
Value:
-10.98%
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2409
Total Deposits
balance_sheet
Value:
$982,447
Peer Avg: -
#2409 of 2596
Bottom 7.2% in <100M tier
2300
Total Members
engagement
Value:
406
Peer Avg: -
#2300 of 2596
Bottom 11.4% in <100M tier