BlastPoint's Credit Union Scorecard
CHARLESTON POSTAL
Charter #24743 · WV
CHARLESTON POSTAL has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.67% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Member decline: -3.0% YoY
- - Net Charge-Off Rate: Bottom 2.4% in tier
- - Net Worth Ratio: Bottom 5.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits -2.3% year over year ($4.5M in shares and deposits).
- Membership: 651 members, -3.0% vs a year ago.
- Delinquency rate 0.27%.
- Return on assets 1.12%.
- Efficiency ratio 87.73% vs a 88.77% peer average.
- Loan-to-share ratio 56.54% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
651
-3.0% YoY-2.0% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$4.9M
-2.6% YoY-2.7% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
18% |
| Loans |
$2.5M
-10.0% YoY+6.5% QoQ
|
$-12.9M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
22% |
| Deposits |
$4.5M
-2.3% YoY-3.2% QoQ
|
$-21.3M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
1.1%
-153.9% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
5.6%
-7.2% YoY-2.8% QoQ
|
+1.7% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
87.7%
-2.4% YoY-8.6% QoQ
|
-1.0% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
67% |
| Delinquency Rate |
0.3%
-91.2% YoY
|
-1.3 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
56.5%
-8.0% YoY+10.1% QoQ
|
-2.4% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
47% |
| AMR |
$10,835
-2.3% YoY+2.1% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
8.9%
+9.6% YoY+3.3% QoQ
|
-15.7% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)