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 0.23% above tier average
- + Net Interest Margin 1.73% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Net Charge-Off Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,821
-4.0% YoY-2.7% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
85% |
| Assets |
$47.1M
+0.8% YoY+0.7% QoQ
|
+$17.3M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$28.3M
-11.6% YoY-3.8% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$39.3M
+0.5% YoY-1.1% QoQ
|
+$13.8M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
0.9%
-10.6% YoY-20.3% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
57% |
| NIM |
5.7%
+4.1% YoY-1.8% QoQ
|
+1.7% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
75.0%
+5.0% YoY+7.0% QoQ
|
-6.4% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.4%
-29.2% YoY-2.0% QoQ
|
-0.2 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
72.0%
-12.0% YoY-2.8% QoQ
|
+10.7% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$14,003
-1.0% YoY+0.5% QoQ
|
$-623 |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
52% |
| CD Concentration |
7.2%
+57.7% YoY+0.1% QoQ
|
-17.3% |
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 (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)