BlastPoint's Credit Union Scorecard
MEMBERS CHOICE WV
Charter #4969 · WV
MEMBERS CHOICE WV has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 2.0% in tier
- + Total Deposits: Top 5.6% in tier
- + Total Loans: Top 7.6% in tier
- + Total Members: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.75% below tier average
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 2,437 credit unions with under $100M in assets nationally, and 1 of 63 that size in West Virginia.
- Shares and deposits +2.0% year over year ($73.2M in shares and deposits).
- Membership: 6,061 members, +0.3% vs a year ago.
- Delinquency rate 1.03%.
- Return on assets 0.74%.
- Efficiency ratio 78.33% vs a 88.77% peer average.
- Loan-to-share ratio 60.63% vs a 58.89% 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 |
6,061
+0.3% YoY+1.2% QoQ
|
+3.5K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Top 8.6% in tier |
| Assets |
$93.6M
+2.6% YoY+0.6% QoQ
|
+$63.4M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Top 2.0% in tier |
| Loans |
$44.4M
+8.6% YoY+11.7% QoQ
|
+$28.9M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
Top 7.7% in tier |
| Deposits |
$73.2M
+2.0% YoY+0.4% QoQ
|
+$47.4M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Top 5.6% in tier |
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| ROA |
0.7%
+11.0% YoY+10.5% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
3.0%
+8.7% YoY+5.5% QoQ
|
-0.9% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
17% |
| Efficiency Ratio |
78.3%
-0.3% YoY-0.5% QoQ
|
-10.4% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
44% |
| Delinquency Rate |
1.0%
-10.3% YoY+65.0% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
60.6%
+6.4% YoY+11.2% QoQ
|
+1.7% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$19,402
+4.1% YoY+3.2% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
26.4%
+9.0% YoY-0.4% QoQ
|
+1.9% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 7.7% | 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)