BlastPoint's Credit Union Scorecard

WEST VIRGINIA CENTRAL

Charter #24888 · WV

100M-500M

1070 CUs in 100M-500M nationally 8 in WV

WEST VIRGINIA CENTRAL has 5 strengths but faces 2 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 1.08% above tier average
+ Members Per Employee (MPE): Top 2.8% in tier
+ Efficiency Ratio: Top 4.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	23,842 +3.1% YoY+1.1% QoQ	+8.7K	15,145 -2.5% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Top 13.4% in tier
Assets	$336.7M +7.9% YoY+4.3% QoQ	+$104.9M	$231.7M +0.8% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	79%
Loans	$222.1M +2.6% YoY-0.4% QoQ	+$78.0M	$144.1M +0.2% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	82%
Deposits	$292.0M +7.6% YoY+4.5% QoQ	+$90.9M	$201.1M +0.4% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	79%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.8% +23.0% YoY+63.3% QoQ	+1.1%	0.7% +5.1% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	Top 5.8% in tier
NIM	2.9% +4.8% YoY+11.4% QoQ	-0.7%	3.6% +4.6% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 12.2% in tier
Efficiency Ratio	54.4% -1.4% YoY-18.3% QoQ	-23.6%	78.0% -1.7% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	Top 4.0% in tier
Delinquency Rate	0.8% +52.6% YoY+10.8% QoQ	+0.0	0.8% +7.1% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	61%
Loan To Share	76.1% -4.6% YoY-4.6% QoQ	+5.6%	70.4% -0.4% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	58%
AMR	$21,563 +2.2% YoY+1.2% QoQ	$-3K	$24,918 +2.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	42%
CD Concentration	21.1% +19.5% YoY+2.8% QoQ	-3.2%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#28 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.11%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.81%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth

#151 of 371 • 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): 3.11%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#269 of 727 • 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): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#299 of 476 • 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): 2.63%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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 1070 peers in tier

Top Strengths (12 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 567.667

Peer Median: 309.176

#31 of 1070 Top 2.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.40%

Peer Median: 78.68%

#44 of 1070 Top 4.0% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.81%

Peer Median: 0.69%

#62 of 1070 Top 5.7% in 100M-500M tier

143

Total Members

engagement

Value: 23,842

Peer Median: 13,200

#143 of 1070 Top 13.3% in 100M-500M tier

173

Net Charge-Off Rate

risk

Value: 0.09%

Peer Median: 0.35%

#173 of 1070 Top 16.1% in 100M-500M tier

193

Total Loans

balance_sheet

Value: $222.11M

Peer Median: $121.41M

#193 of 1070 Top 17.9% in 100M-500M tier

197

Asset Growth Rate

growth

Value: 7.93%

Peer Median: 3.91%

#197 of 1070 Top 18.3% in 100M-500M tier

199

Deposit Growth Rate

growth

Value: 7.61%

Peer Median: 3.30%

#199 of 1070 Top 18.5% in 100M-500M tier

206

Member Growth Rate

growth

Value: 3.11%

Peer Median: -0.06%

#206 of 1070 Top 19.2% in 100M-500M tier

Top Weaknesses (1 metrics)

939

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: 3.62%

#939 of 1070 Bottom 12.3% in 100M-500M tier