BlastPoint's Credit Union Scorecard

HUNTINGTONIZED

Charter #3438 · WV

<100M
2508 CUs in <100M nationally 63 in WV

HUNTINGTONIZED has 2 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.84% above tier average
  • + Net Interest Margin 2.23% above tier average

Key Concerns

Areas that may need attention

  • - Member decline: -2.6% YoY

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 4,836
-2.6% YoY+0.0% QoQ
+2.2K 2,676
+1.6% YoY
5,081
-0.5% YoY
33,913
+5.7% YoY
Top 14.4% in tier
Assets $47.5M
-2.2% YoY+0.6% QoQ
+$17.3M $30.2M
+1.3% YoY
$71.0M
+4.1% YoY
$578.3M
+9.0% YoY
76%
Loans $26.2M
-13.3% YoY-3.8% QoQ
+$11.0M $15.3M
-2.0% YoY
$37.7M
-0.4% YoY
$402.4M
+8.7% YoY
79%
Deposits $39.6M
-2.6% YoY+0.7% QoQ
+$13.8M $25.8M
+0.7% YoY
$60.8M
+3.5% YoY
$494.3M
+9.1% YoY
75%

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Tier 1
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ROA 1.0%
-8.0% YoY+14.6% QoQ
+0.8% 0.1%
-77.6% YoY
0.8%
-6.9% YoY
0.4%
-39.2% YoY
68%
NIM 6.2%
+15.6% YoY+12.9% QoQ
+2.2% 4.0%
+4.0% YoY
4.0%
+3.8% YoY
3.8%
+4.1% YoY
Top 3.1% in tier
Efficiency Ratio 71.5%
-4.3% YoY-7.3% QoQ
-19.1% 90.6%
+6.5% YoY
76.6%
+1.6% YoY
84.6%
+2.8% YoY
28%
Delinquency Rate 1.3%
-17.8% YoY-1.5% QoQ
-0.2 1.5%
+3.8% YoY
1.3%
-25.1% YoY
1.2%
+3.4% YoY
70%
Loan To Share 66.3%
-11.0% YoY-4.4% QoQ
+7.8% 58.5%
-3.0% YoY
57.8%
-4.2% YoY
65.6%
-1.4% YoY
61%
AMR $13,610
-4.7% YoY-1.2% QoQ
$-1K $14,884
-1.7% YoY
$14,840
-0.3% YoY
$19,920
+1.6% YoY
48%
CD Concentration 4.0%
-45.1% YoY-33.5% QoQ
-20.2% 24.3% 15.9% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 2.0% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
77
Net Interest Margin (NIM)
profitability
Value: 6.24%
Peer Median: 3.83%
#77 of 2508 Top 3.0% in <100M tier
272
Fee Income Per Member
profitability
Value: $152.67
Peer Median: $60.42
#272 of 2508 Top 10.8% in <100M tier
361
Total Members
engagement
Value: 4,836
Peer Median: 1,918
#361 of 2508 Top 14.4% in <100M tier
523
Total Loans
balance_sheet
Value: $26.24M
Peer Median: $9.48M
#523 of 2508 Top 20.8% in <100M tier
615
Total Assets
balance_sheet
Value: $47.50M
Peer Median: $21.86M
#615 of 2508 Top 24.5% in <100M tier

Top Weaknesses (4 metrics)

2250
Net Charge-Off Rate
risk
Value: 1.33%
Peer Median: 0.07%
#2250 of 2508 Bottom 10.3% in <100M tier
2150
Loan Growth Rate
growth
Value: -13.30%
Peer Median: -2.36%
#2150 of 2508 Bottom 14.3% in <100M tier
2056
AMR Growth Rate
growth
Value: -4.69%
Peer Median: 1.27%
#2056 of 2508 Bottom 18.1% in <100M tier
1948
First Mortgage Concentration (%)
balance_sheet
Value: 28.04%
Peer Median: 3.66%
#1948 of 2508 Bottom 22.4% in <100M tier
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