BlastPoint's Credit Union Scorecard
MEMBERS CHOICE WV
Charter #4969 · WV
MEMBERS CHOICE WV demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.7% in tier
- + Total Deposits: Top 6.7% in tier
- + Total Members: Top 9.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,999
-0.9% YoY-0.7% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Top 9.3% in tier |
| Assets |
$89.9M
+1.8% YoY-1.4% QoQ
|
+$60.1M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Top 3.7% in tier |
| Loans |
$40.6M
+5.4% YoY-0.7% QoQ
|
+$24.8M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Top 10.1% in tier |
| Deposits |
$70.1M
+1.1% YoY-2.3% QoQ
|
+$44.6M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Top 6.8% in tier |
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| ROA |
0.7%
+5.9% YoY+5.5% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
2.9%
+12.1% YoY+2.8% QoQ
|
-1.1% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.1% in tier |
| Efficiency Ratio |
78.1%
-0.8% YoY-0.6% QoQ
|
-3.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
49% |
| Delinquency Rate |
1.1%
-0.3% YoY-8.8% QoQ
|
-0.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
62% |
| Loan To Share |
57.9%
+4.2% YoY+1.6% QoQ
|
-3.3% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$18,450
+3.6% YoY-1.0% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
73% |
| CD Concentration |
25.0%
+13.9% YoY+3.0% QoQ
|
+0.6% |
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)