BlastPoint's Credit Union Scorecard
HUNTINGTONIZED
Charter #3438 · WV
HUNTINGTONIZED has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.24% above tier average
- + Net Interest Margin 1.57% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.2% YoY
- - Net Charge-Off Rate: Bottom 8.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,835
-3.2% YoY+0.3% QoQ
|
+2.2K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 15.0% in tier |
| Assets |
$47.2M
+2.5% YoY+0.2% QoQ
|
+$17.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$27.3M
-12.9% YoY-3.5% QoQ
|
+$11.5M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$39.3M
+2.0% YoY+0.2% QoQ
|
+$13.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.9%
-11.3% YoY-5.4% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
5.5%
+0.5% YoY-2.5% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 7.0% in tier |
| Efficiency Ratio |
77.1%
+3.8% YoY+2.9% QoQ
|
-5.4% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
44% |
| Delinquency Rate |
1.3%
-28.4% YoY-1.1% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
69.4%
-14.6% YoY-3.6% QoQ
|
+8.7% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$13,773
-1.6% YoY-1.6% QoQ
|
$-1K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
6.1%
+13.9% YoY-15.0% QoQ
|
-18.3% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)