BlastPoint's Credit Union Scorecard
U S EMPLOYEES
Charter #6672 · WV
2556 CUs in <100M nationally
63 in WV
U S EMPLOYEES has 3 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 2.91% below tier average
- - Efficiency ratio 111.03% above tier (higher cost structure)
- - Delinquency rate 2.71% above tier average
- - Member decline: -5.0% YoY
- - Total Members: Bottom 1.8% in tier
- - Loan Growth Rate: Bottom 2.2% in tier
- - Total Assets: Bottom 3.4% in tier
- - Total Loans: Bottom 3.8% in tier
- - Total Deposits: Bottom 4.1% in tier
- - Net Interest Margin (NIM): Bottom 6.1% in tier
- - Asset Growth Rate: Bottom 6.1% in tier
- - AMR Growth Rate: Bottom 6.1% in tier
- - Fee Income Per Member: Bottom 6.4% in tier
- - Members Per Employee (MPE): Bottom 6.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115
-5.0% YoY-0.9% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 1.8% in tier |
| Assets |
$533,284
-8.9% YoY-2.2% QoQ
|
$-29.6M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.4% in tier |
| Loans |
$157,091
-30.8% YoY-10.2% QoQ
|
$-15.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.8% in tier |
| Deposits |
$484,461
-7.6% YoY-1.8% QoQ
|
$-25.2M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.0% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-2.3%
-24.1% YoY+3.2% QoQ
|
-2.9% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 2.8% in tier |
| NIM |
2.3%
-23.6% YoY-3.8% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.1% in tier |
| Efficiency Ratio |
193.6%
+17.5% YoY+4.4% QoQ
|
+111.0% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Top 1.2% in tier |
| Delinquency Rate |
4.3%
-86.3% YoY-21.3% QoQ
|
+2.7 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 7.8% in tier |
| Loan To Share |
32.4%
-25.1% YoY-8.6% QoQ
|
-28.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.1% in tier |
| AMR |
$5,579
-10.2% YoY-3.2% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 10.7% in tier |
| CD Concentration |
26.9%
-66.3% YoY-65.8% QoQ
|
+2.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 50% |
Signature Analysis
Strengths (0)
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
191
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Median: -
#191 of 2556
Top 7.4% in <100M tier
Top Weaknesses (20 metrics)
2527
Efficiency Ratio
profitability
Value:
193.59%
Peer Median: -
#2527 of 2556
Bottom 1.2% in <100M tier
2510
Total Members
engagement
Value:
115
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier
2501
Loan Growth Rate
growth
Value:
-30.82%
Peer Median: -
#2501 of 2556
Bottom 2.2% in <100M tier
2485
Return on Assets (ROA)
profitability
Value:
-2.29%
Peer Median: -
#2485 of 2556
Bottom 2.8% in <100M tier
2470
Total Assets
balance_sheet
Value:
$533,284
Peer Median: -
#2470 of 2556
Bottom 3.4% in <100M tier
2460
Total Loans
balance_sheet
Value:
$157,091
Peer Median: -
#2460 of 2556
Bottom 3.8% in <100M tier
2453
Total Deposits
balance_sheet
Value:
$484,461
Peer Median: -
#2453 of 2556
Bottom 4.1% in <100M tier
2401
Net Interest Margin (NIM)
profitability
Value:
2.30%
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2401
Asset Growth Rate
growth
Value:
-8.93%
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier
2401
AMR Growth Rate
growth
Value:
-10.17%
Peer Median: -
#2401 of 2556
Bottom 6.1% in <100M tier