BlastPoint's Credit Union Scorecard
NATIONAL EMPLOYEES
Charter #5713 · WV
NATIONAL EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.57% above tier average
- + Members Per Employee (MPE): Top 7.8% in tier
- + Loan Growth Rate: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.33% below tier average
- - Efficiency ratio 6.72% above tier (higher cost structure)
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 +3.6% year over year ($13.0M in shares and deposits).
- Membership: 2,957 members, -0.8% vs a year ago.
- Delinquency rate 1.02%.
- Return on assets 0.17%.
- Efficiency ratio 95.48% vs a 88.77% peer average.
- Loan-to-share ratio 72.55% 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 |
2,957
-0.8% YoY+0.0% QoQ
|
+371 |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
68% |
| Assets |
$15.0M
+3.4% YoY+5.0% QoQ
|
$-15.3M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
41% |
| Loans |
$9.4M
+11.2% YoY+10.2% QoQ
|
$-6.0M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$13.0M
+3.6% YoY+5.6% QoQ
|
$-12.8M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
42% |
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| ROA |
0.2%
+47.4% YoY-304.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.7% in tier |
| NIM |
4.5%
+7.4% YoY-1.3% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
75% |
| Efficiency Ratio |
95.5%
-0.8% YoY-6.0% QoQ
|
+6.7% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
1.0%
-43.1% YoY+73.2% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
72.5%
+7.3% YoY+4.3% QoQ
|
+13.7% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
71% |
| AMR |
$7,589
+7.5% YoY+7.5% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
17% |
| CD Concentration |
17.4%
+44.9% YoY+41.3% QoQ
|
-7.1% | 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)