BlastPoint's Credit Union Scorecard

FAIRMONT

Charter #3439 · WV

Community 500M-750M
167 CUs in 500M-750M nationally 2 in WV
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FAIRMONT has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Net Charge-Off Rate: Top 4.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 21.6% in tier
  • - Efficiency Drag: Bottom 30.3% in tier
  • - ROA 0.08% below tier average
  • - Efficiency ratio 5.54% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WV) National Avg Tier Percentile
Members 45,432
+1.5% YoY+0.6% QoQ
 +7.4K 38,079
-4.8% YoY
 5,081
-0.5% YoY
 33,913
+5.7% YoY
 79%
Assets $602.5M
+7.7% YoY+3.8% QoQ
 $-17.2M $619.7M
-0.2% YoY
 $71.0M
+4.1% YoY
 $578.3M
+9.0% YoY
 42%
Loans $376.1M
+6.0% YoY-0.5% QoQ
 $-43.3M $419.3M
-1.4% YoY
 $37.7M
-0.4% YoY
 $402.4M
+8.7% YoY
 29%
Deposits $544.7M
+6.7% YoY+4.0% QoQ
 +$5.3M $539.5M
-0.1% YoY
 $60.8M
+3.5% YoY
 $494.3M
+9.1% YoY
 53%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 0.6%
-13.7% YoY-30.9% QoQ
 -0.1% 0.7%
+36.0% YoY
 0.8%
-6.9% YoY
 0.4%
-39.2% YoY
 49%
NIM 3.0%
+5.2% YoY+1.5% QoQ
 -0.5% 3.5%
+4.5% YoY
 4.0%
+3.8% YoY
 3.8%
+4.1% YoY
 17%
Efficiency Ratio 83.9%
+4.1% YoY+9.6% QoQ
 +5.5% 78.4%
-3.7% YoY
 76.6%
+1.6% YoY
 84.6%
+2.8% YoY
 71%
Delinquency Rate 0.3%
-2.6% YoY-44.9% QoQ
 -0.4 0.7%
-0.9% YoY
 1.3%
-25.1% YoY
 1.2%
+3.4% YoY
 23%
Loan To Share 69.0%
-0.7% YoY-4.4% QoQ
 -8.6% 77.7%
-1.2% YoY
 57.8%
-4.2% YoY
 65.6%
-1.4% YoY
 22%
AMR $20,268
+4.9% YoY+1.5% QoQ
 $-7K $26,927
+3.1% YoY
 $14,840
-0.3% YoY
 $19,920
+1.6% YoY
 17%
CD Concentration 23.2%
+6.8% YoY+0.1% QoQ
 -1.1% 24.3% 15.9% 19.8% 46%
Indirect Auto % 34.9%
+0.6% YoY+2.9% QoQ
 +21.1% 13.8% 2.0% 7.7% Bottom 12.3% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk
#76 of 504 • Bottom 21.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 7.67%
(Tier: 4.68%, National: 1663.40%)
but better than tier avg
Indirect Auto %: 34.91%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.47%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
745 nationally
↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk
#215 of 596 • Bottom 30.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.93%
(Tier: 77.94%, National: 84.64%)
worse than tier avg
ROA Change (YoY): -0.10% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 1.47%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
702 nationally
↓ Shrinking -84 CUs YoY | Rank improving

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 167 peers in tier

Top Strengths (4 metrics)

9
Net Charge-Off Rate
risk
Value: 0.05%
Peer Median: 0.39%
#9 of 167 Top 4.8% in 500M-750M tier
28
Members Per Employee (MPE)
engagement
Value: 402.053
Peer Median: 318.730
#28 of 167 Top 16.2% in 500M-750M tier
35
Total Members
engagement
Value: 45,432
Peer Median: 36,874
#35 of 167 Top 20.4% in 500M-750M tier
40
Total Delinquency Rate (60+ days)
risk
Value: 0.30%
Peer Median: 0.62%
#40 of 167 Top 23.4% in 500M-750M tier

Top Weaknesses (5 metrics)

143
Indirect Auto Concentration (%)
balance_sheet
Value: 34.91%
Peer Median: 10.91%
#143 of 167 Bottom 15.0% in 500M-750M tier
140
Loan-to-Member Ratio (LMR)
engagement
Value: $8,277
Peer Median: $11,231
#140 of 167 Bottom 16.8% in 500M-750M tier
138
Net Interest Margin (NIM)
profitability
Value: 2.98%
Peer Median: 3.48%
#138 of 167 Bottom 18.0% in 500M-750M tier
138
Average Member Relationship (AMR)
engagement
Value: $20,268
Peer Median: $25,600
#138 of 167 Bottom 18.0% in 500M-750M tier
130
Loan-to-Share Ratio
balance_sheet
Value: 69.03%
Peer Median: 79.97%
#130 of 167 Bottom 22.8% in 500M-750M tier
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