BlastPoint's Credit Union Scorecard
WEST VIRGINIA CENTRAL
Charter #24888 · WV
WEST VIRGINIA CENTRAL has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 19.4% in tier
- + Organic Growth Leader: Top 47.8% in tier
- + ROA 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,590
+2.7% YoY+0.3% QoQ
|
+8.2K |
15,437
-2.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 14.9% in tier |
| Assets |
$322.8M
+8.6% YoY+1.3% QoQ
|
+$90.9M |
$231.9M
+1.3% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$222.9M
+2.8% YoY+0.0% QoQ
|
+$75.6M |
$147.3M
-0.1% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$279.5M
+8.5% YoY+1.4% QoQ
|
+$78.7M |
$200.8M
+0.8% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
1.1%
-6.6% YoY-29.7% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
75% |
| NIM |
2.6%
+4.9% YoY-9.9% QoQ
|
-1.0% |
3.6%
+6.7% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.5% in tier |
| Efficiency Ratio |
66.5%
+1.9% YoY+15.6% QoQ
|
-10.5% |
77.0%
-3.1% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.7%
-7.8% YoY+38.0% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
79.8%
-5.2% YoY-1.3% QoQ
|
+7.5% |
72.2%
-1.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$21,297
+3.1% YoY+0.5% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
20.5%
+13.1% YoY+5.1% QoQ
|
-3.9% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)