BlastPoint's Credit Union Scorecard
U S EMPLOYEES
Charter #6672 · WV
U S EMPLOYEES has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.56% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 283.30% above tier (higher cost structure)
- - Delinquency rate 1.39% above tier average
- - Share Certificate Concentration (%): Bottom 0.5% in tier
- - Net Interest Margin (NIM): Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 1.3% in tier
- - Total Members: Bottom 1.8% in tier
- - Total Loans: Bottom 2.9% in tier
- - Total Assets: Bottom 3.1% in tier
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 -1.0% year over year ($484K in shares and deposits).
- Membership: 118 members, +0.0% vs a year ago.
- Delinquency rate 2.94%.
- Return on assets 4.05%.
- Efficiency ratio 372.06% vs a 88.77% peer average.
- Loan-to-share ratio 23.61% 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 |
118
0% YoY0% QoQ
|
-2.5K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 1.8% in tier |
| Assets |
$526,220
-3.5% YoY+2.9% QoQ
|
$-29.8M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 3.0% in tier |
| Loans |
$114,384
-39.1% YoY-5.1% QoQ
|
$-15.3M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.9% in tier |
| Deposits |
$484,389
-1.0% YoY+4.1% QoQ
|
$-25.3M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 3.7% in tier |
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| ROA |
4.1%
-322.3% YoY-296.1% QoQ
|
+2.6% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
Top 2.4% in tier |
| NIM |
1.3%
-54.3% YoY+7.8% QoQ
|
-2.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 1.2% in tier |
| Efficiency Ratio |
372.1%
+140.7% YoY-11.9% QoQ
|
+283.3% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 0.4% in tier |
| Delinquency Rate |
2.9%
-50.3% YoY-16.0% QoQ
|
+1.4 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.3% in tier |
| Loan To Share |
23.6%
-38.4% YoY-8.8% QoQ
|
-35.3% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.6% in tier |
| AMR |
$5,074
-11.6% YoY+2.2% QoQ
|
$-10K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 9.2% in tier |
| CD Concentration |
74.0%
-6.6% YoY+212.2% QoQ
|
+49.5% | 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)