BlastPoint's Credit Union Scorecard

WEST VIRGINIA CENTRAL

Charter #24888 · WV

100M-500M

1024 CUs in 100M-500M nationally 8 in WV

WEST VIRGINIA CENTRAL has 4 strengths 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

+ Organic Growth Engine: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ ROA 0.20% above tier average
+ Members Per Employee (MPE): Top 3.1% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 50.0% in tier
- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in West Virginia.
Shares and deposits +7.9% year over year ($295M in shares and deposits).
Membership: 24,206 members, +3.8% vs a year ago.
Delinquency rate 0.87%.
Return on assets 1.06%.
Efficiency ratio 71.08% vs a 76.73% peer average.
Loan-to-share ratio 77.57% vs a 71.54% 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	24,206 +3.8% YoY+1.5% QoQ	+9.0K	15,168 -2.6% YoY	5,079 -0.5% YoY	34,678 +6.6% YoY	Top 13.1% in tier
Assets	$341.3M +8.2% YoY+1.4% QoQ	+$109.3M	$232.0M +0.7% YoY	$71.2M +3.6% YoY	$593.1M +10.2% YoY	80%
Loans	$229.1M +3.4% YoY+3.1% QoQ	+$82.8M	$146.3M +0.2% YoY	$38.5M +1.2% YoY	$418.6M +10.1% YoY	83%
Deposits	$295.3M +7.9% YoY+1.1% QoQ	+$94.6M	$200.7M +0.2% YoY	$60.8M +2.9% YoY	$504.8M +10.3% YoY	80%

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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	1.1% -31.2% YoY-41.2% QoQ	+0.2%	0.9% +12.5% YoY	1.1% +25.0% YoY	1.2% +121.4% YoY	69%
NIM	3.0% +5.4% YoY+3.1% QoQ	-0.7%	3.7% +4.5% YoY	3.9% +2.6% YoY	3.8% +2.3% YoY	Bottom 13.8% in tier
Efficiency Ratio	71.1% +25.0% YoY+30.7% QoQ	-5.7%	76.7% -0.8% YoY	78.0% +6.1% YoY	83.0% -5.3% YoY	29%
Delinquency Rate	0.9% +100.0% YoY+14.7% QoQ	+0.0	0.9% +6.6% YoY	1.4% +1.7% YoY	1.3% +2.6% YoY	62%
Loan To Share	77.6% -4.2% YoY+2.0% QoQ	+6.0%	71.5% -0.3% YoY	58.3% -3.5% YoY	66.4% -1.4% YoY	59%
AMR	$21,661 +2.1% YoY+0.5% QoQ	$-3K	$25,107 +3.2% YoY	$15,001 +0.4% YoY	$20,028 -0.9% YoY	42%
CD Concentration	21.4% +12.9% YoY+1.4% QoQ	-3.1%	24.6%	16.8%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	1.9%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#41 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.77%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.06%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Organic Growth Leader

growth

#103 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.77%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Concerns (4)

Cost Spiral

risk

#8 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 14.23% points

(Tier: -0.48% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 56.85%

(Tier: 77.10%, National: 86.72%)

but better than tier avg

95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally

↑ Growing +30 CUs YoY | New qualifier

Margin Compression

decline

#32 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.06%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.55%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.48% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Credit Quality Pressure

risk

#170 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.43% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#206 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.40%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.43% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

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 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 550.136

Peer Median: 310.924

#33 of 1024 Top 3.1% in 100M-500M tier

134

Total Members

engagement

Value: 24,206

Peer Median: 13,128

#134 of 1024 Top 13.0% in 100M-500M tier

143

Member Growth Rate

growth

Value: 3.77%

Peer Median: -0.03%

#143 of 1024 Top 13.9% in 100M-500M tier

163

Deposit Growth Rate

growth

Value: 7.94%

Peer Median: 3.58%

#163 of 1024 Top 15.8% in 100M-500M tier

177

Asset Growth Rate

growth

Value: 8.16%

Peer Median: 4.12%

#177 of 1024 Top 17.2% in 100M-500M tier

178

Total Loans

balance_sheet

Value: $229.05M

Peer Median: $124.04M

#178 of 1024 Top 17.3% in 100M-500M tier

200

Total Deposits

balance_sheet

Value: $295.27M

Peer Median: $170.77M

#200 of 1024 Top 19.4% in 100M-500M tier

202

Total Assets

balance_sheet

Value: $341.32M

Peer Median: $196.38M

#202 of 1024 Top 19.6% in 100M-500M tier

239

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: 0.34%

#239 of 1024 Top 23.2% in 100M-500M tier

Top Weaknesses (1 metrics)

883

Net Interest Margin (NIM)

profitability

Value: 3.01%

Peer Median: 3.67%

#883 of 1024 Bottom 13.9% in 100M-500M tier