BlastPoint's Credit Union Scorecard
U S EMPLOYEES
Charter #6672 · WV
U S EMPLOYEES faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 2.21% below tier average
- - Efficiency ratio 331.56% above tier (higher cost structure)
- - Delinquency rate 2.00% above tier average
- - Member decline: -2.5% YoY
- - Loan Growth Rate: Bottom 1.1% in tier
- - Net Interest Margin (NIM): Bottom 1.4% in tier
- - Total Members: Bottom 2.0% in tier
- - AMR Growth Rate: Bottom 2.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
118
-2.5% YoY+2.6% QoQ
|
-2.6K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 1.9% in tier |
| Assets |
$511,335
-7.3% YoY-4.1% QoQ
|
$-29.7M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.1% in tier |
| Loans |
$120,511
-48.7% YoY-23.3% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.1% in tier |
| Deposits |
$465,318
-5.8% YoY-4.0% QoQ
|
$-25.3M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.8% in tier |
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| ROA |
-2.1%
-2.0% YoY-9.8% QoQ
|
-2.2% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.6% in tier |
| NIM |
1.2%
-52.9% YoY-46.9% QoQ
|
-2.8% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.3% in tier |
| Efficiency Ratio |
422.2%
+148.2% YoY+118.1% QoQ
|
+331.6% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 0.7% in tier |
| Delinquency Rate |
3.5%
-85.6% YoY-17.9% QoQ
|
+2.0 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.3% in tier |
| Loan To Share |
25.9%
-45.5% YoY-20.1% QoQ
|
-32.6% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.9% in tier |
| AMR |
$4,965
-17.6% YoY-11.0% QoQ
|
$-10K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 9.1% in tier |
| CD Concentration |
23.7%
-16.1% YoY-11.7% QoQ
|
-0.6% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 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)