BlastPoint's Credit Union Scorecard

MEMBERS CHOICE WV

Charter #4969 · WV

<100M

2508 CUs in <100M nationally 63 in WV

MEMBERS CHOICE WV demonstrates 5 strengths

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.52% above tier average
+ Total Assets: Top 2.5% in tier
+ Total Deposits: Top 5.6% in tier
+ Total Members: Top 8.6% in tier
+ Total Loans: Top 9.5% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	5,991 -0.5% YoY-0.1% QoQ	+3.3K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	Top 8.6% in tier
Assets	$93.1M +2.8% YoY+2.0% QoQ	+$62.9M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	Top 2.6% in tier
Loans	$39.8M -0.1% YoY-2.4% QoQ	+$24.5M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	Top 9.6% in tier
Deposits	$72.9M +2.4% YoY+2.4% QoQ	+$47.1M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	Top 5.6% in tier

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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	0.7% +13.1% YoY-11.2% QoQ	+0.5%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	53%
NIM	2.9% +2.7% YoY-1.5% QoQ	-1.2%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	Bottom 14.5% in tier
Efficiency Ratio	78.8% -2.0% YoY+1.4% QoQ	-11.9%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	43%
Delinquency Rate	0.6% -28.7% YoY-52.8% QoQ	-0.9	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	49%
Loan To Share	54.5% -2.5% YoY-4.7% QoQ	-4.0%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	44%
AMR	$18,804 +2.0% YoY+0.7% QoQ	+$4K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	73%
CD Concentration	26.5% +9.7% YoY+2.7% QoQ	+2.2%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

Total Assets

balance_sheet

Value: $93.12M

Peer Median: $21.86M

#64 of 2508 Top 2.5% in <100M tier

141

Total Deposits

balance_sheet

Value: $72.90M

Peer Median: $18.77M

#141 of 2508 Top 5.6% in <100M tier

216

Total Members

engagement

Value: 5,991

Peer Median: 1,918

#216 of 2508 Top 8.6% in <100M tier

240

Total Loans

balance_sheet

Value: $39.75M

Peer Median: $9.48M

#240 of 2508 Top 9.5% in <100M tier

355

Fee Income Per Member

profitability

Value: $140.03

Peer Median: $60.42

#355 of 2508 Top 14.1% in <100M tier

445

Net Worth Ratio

risk

Value: 21.55%

Peer Median: 14.28%

#445 of 2508 Top 17.7% in <100M tier

Top Weaknesses (2 metrics)

2145

Net Interest Margin (NIM)

profitability

Value: 2.86%

Peer Median: 3.83%

#2145 of 2508 Bottom 14.5% in <100M tier

1941

Share Certificate Concentration (%)

balance_sheet

Value: 26.52%

Peer Median: 12.45%

#1941 of 2508 Bottom 22.6% in <100M tier