BlastPoint's Credit Union Scorecard
MEMBERS CHOICE WV
Charter #4969 · WV
MEMBERS CHOICE WV demonstrates 6 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 3.5% in tier
- + Total Deposits: Top 6.5% in tier
- + Total Members: Top 9.1% in tier
- + Total Loans: Top 9.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,994
-0.7% YoY-0.1% QoQ
|
+3.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$91.2M
+4.1% YoY+1.4% QoQ
|
+$61.1M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Top 3.6% in tier |
| Loans |
$40.7M
+1.1% YoY+0.3% QoQ
|
+$25.0M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Top 9.9% in tier |
| Deposits |
$71.2M
+4.2% YoY+1.6% QoQ
|
+$45.5M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Top 6.5% in tier |
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| ROA |
0.8%
+9.1% YoY+7.1% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
2.9%
+11.2% YoY+1.8% QoQ
|
-1.1% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
16% |
| Efficiency Ratio |
77.7%
-0.8% YoY-0.5% QoQ
|
-4.9% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.3%
-2.6% YoY+26.2% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
57.2%
-2.9% YoY-1.2% QoQ
|
-3.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
45% |
| AMR |
$18,671
+3.8% YoY+1.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
25.8%
+15.3% YoY+3.4% QoQ
|
+1.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)