BlastPoint's Credit Union Scorecard
WEST VIRGINIA CENTRAL
Charter #24888 · WV
WEST VIRGINIA CENTRAL has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 3.6% in tier
- + Organic Growth Leader: Top 14.3% in tier
- + Profitability Leader: Top 36.3% in tier
- + ROA 0.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.1% in tier
- + Efficiency Ratio: Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.2% in tier
- - Credit Risk Growth: Bottom 27.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
23,513
+2.8% YoY+0.8% QoQ
|
+7.9K |
15,628
-3.4% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$318.6M
+2.8% YoY+1.0% QoQ
|
+$87.3M |
$231.3M
-0.0% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$222.8M
+2.4% YoY+0.6% QoQ
|
+$75.0M |
$147.8M
-1.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$275.7M
+9.2% YoY+0.8% QoQ
|
+$75.4M |
$200.3M
-0.0% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
77% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
+30.4% YoY+2.0% QoQ
|
+0.8% |
0.8%
+15.5% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 9.9% in tier |
| NIM |
2.9%
+22.2% YoY+1.8% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
57.6%
-8.2% YoY+1.2% QoQ
|
-19.7% |
77.3%
-3.0% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 5.6% in tier |
| Delinquency Rate |
0.5%
+11.6% YoY+14.0% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
37% |
| Loan To Share |
80.8%
-6.2% YoY-0.2% QoQ
|
+8.1% |
72.7%
-1.5% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$21,201
+3.1% YoY-0.1% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
43% |
| CD Concentration |
19.5%
+2.4% YoY+3.1% QoQ
|
-4.9% |
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 (3)
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.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)