BlastPoint's Credit Union Scorecard
FAIRMONT
Charter #3439 · WV
FAIRMONT has 1 strength but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does WV stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24.1% in tier
- - Indirect Auto Dependency: Bottom 26.1% in tier
- - Credit Risk Growth: Bottom 40.3% in tier
- - Efficiency ratio 1.87% above tier (higher cost structure)
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in West Virginia.
- Shares and deposits +6.0% year over year ($542M in shares and deposits).
- Membership: 45,768 members, +1.6% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.86%.
- Efficiency ratio 78.43% vs a 76.56% peer average.
- Loan-to-share ratio 70.44% vs a 79.33% 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 |
45,768
+1.6% YoY+0.7% QoQ
|
+7.9K |
37,897
-5.0% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$603.1M
+6.9% YoY+0.1% QoQ
|
$-19.3M |
$622.4M
+0.6% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$382.1M
+5.0% YoY+1.6% QoQ
|
$-46.4M |
$428.5M
-0.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
27% |
| Deposits |
$542.4M
+6.0% YoY-0.4% QoQ
|
+$2.6M |
$539.8M
+0.9% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
49% |
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| ROA |
0.9%
-1.0% YoY+41.8% QoQ
|
+0.0% |
0.8%
+39.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
3.0%
+6.1% YoY+1.8% QoQ
|
-0.5% |
3.5%
+5.0% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
78.4%
+2.5% YoY-6.5% QoQ
|
+1.9% |
76.6%
-3.6% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
59% |
| Delinquency Rate |
0.7%
+50.3% YoY+127.8% QoQ
|
-0.1 |
0.8%
+3.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
70.4%
-0.9% YoY+2.0% QoQ
|
-8.9% |
79.3%
-1.4% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$20,198
+4.0% YoY-0.3% QoQ
|
$-7K |
$27,294
+4.1% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 14.5% in tier |
| CD Concentration |
23.2%
+5.4% YoY+0.4% QoQ
|
-1.3% | 24.6% | 16.8% | 20.0% | 45% |
| Indirect Auto % |
35.4%
+3.4% YoY+1.5% QoQ
|
+21.8% | 13.6% | 1.9% | 7.7% | Bottom 11.6% in tier |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)