BlastPoint's Credit Union Scorecard

CAPE

Charter #24841 · WV

<100M

2508 CUs in <100M nationally 63 in WV

CAPE has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 6.3% in tier

Key Concerns

Areas that may need attention

- ROA 1.57% below tier average
- Delinquency rate 0.24% above tier average
- Member decline: -2.9% YoY
- Net Worth Ratio: Bottom 5.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	1,165 -2.9% YoY-1.6% QoQ	-1.5K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	32%
Assets	$15.7M +2.3% YoY-2.9% QoQ	$-14.5M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	42%
Loans	$5.0M -11.2% YoY-4.7% QoQ	$-10.3M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	34%
Deposits	$14.4M +2.4% YoY-3.3% QoQ	$-11.4M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	44%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-1.4%	-1.6%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	Bottom 6.6% in tier
NIM	3.5% +10.9% YoY+5.3% QoQ	-0.5%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	38%
Efficiency Ratio	84.9% -9.4% YoY-4.2% QoQ	-5.7%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	1.7% -47.8% YoY-44.3% QoQ	+0.2	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	78%
Loan To Share	34.8% -13.2% YoY-1.4% QoQ	-23.7%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	16%
AMR	$16,648 +1.5% YoY-2.1% QoQ	+$2K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	64%
CD Concentration	6.1% -26.2% YoY-9.1% QoQ	-18.2%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

159

Net Charge-Off Rate

risk

Value: -0.20%

Peer Median: 0.07%

#159 of 2508 Top 6.3% in <100M tier

Top Weaknesses (6 metrics)

2367

Net Worth Ratio

risk

Value: 8.20%

Peer Median: 14.28%

#2367 of 2508 Bottom 5.7% in <100M tier

2343

Return on Assets (ROA)

profitability

Value: -1.42%

Peer Median: 0.61%

#2343 of 2508 Bottom 6.6% in <100M tier

2130

First Mortgage Concentration (%)

balance_sheet

Value: 37.32%

Peer Median: 3.66%

#2130 of 2508 Bottom 15.1% in <100M tier

2105

Loan-to-Share Ratio

balance_sheet

Value: 34.79%

Peer Median: 58.72%

#2105 of 2508 Bottom 16.1% in <100M tier

2022

Loan Growth Rate

growth

Value: -11.15%

Peer Median: -2.36%

#2022 of 2508 Bottom 19.4% in <100M tier

1956

Total Delinquency Rate (60+ days)

risk

Value: 1.74%

Peer Median: 0.65%

#1956 of 2508 Bottom 22.0% in <100M tier