BlastPoint's Credit Union Scorecard
LOGAN COUNTY SCHOOL EMPLOYEES
Charter #24200 · WV
LOGAN COUNTY SCHOOL EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.92% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.72% above tier average
- - Member decline: -3.1% YoY
- - Loan-to-Member Ratio (LMR): Bottom 3.0% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Loans: Bottom 3.7% in tier
- - Average Member Relationship (AMR): Bottom 4.5% in tier
- - Total Assets: Bottom 6.7% in tier
- - Total Deposits: Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
402
-3.1% YoY-1.2% QoQ
|
-2.3K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 11.0% in tier |
| Assets |
$1.3M
+1.8% YoY+6.9% QoQ
|
$-28.9M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 6.7% in tier |
| Loans |
$155,911
-8.0% YoY-6.4% QoQ
|
$-15.1M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.6% in tier |
| Deposits |
$1.0M
+1.5% YoY+8.3% QoQ
|
$-24.7M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.0% in tier |
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| ROA |
1.1%
-233.3% YoY+727.7% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.2%
+36.5% YoY-3.1% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
24% |
| Efficiency Ratio |
67.0%
-49.9% YoY-30.4% QoQ
|
-23.7% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
21% |
| Delinquency Rate |
3.2%
+82.4% YoY+1274.8% QoQ
|
+1.7 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 10.1% in tier |
| Loan To Share |
14.9%
-9.3% YoY-13.5% QoQ
|
-43.6% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 2.9% in tier |
| AMR |
$2,986
+3.4% YoY+7.4% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.4% in tier |
| CD Concentration |
0.4%
-1.4% YoY-7.6% 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)
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)