BlastPoint's Credit Union Scorecard
U S EMPLOYEES
Charter #6672 · WV
2596 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 8.7% in tier
Key Concerns
Areas that may need attention
- - ROA 2.90% below tier average
- - Efficiency ratio 104.00% above tier (higher cost structure)
- - Delinquency rate 3.91% above tier average
- - Member decline: -6.5% YoY
- - Share Certificate Concentration (%): Bottom 0.4% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Total Members: Bottom 2.0% in tier
- - Total Assets: Bottom 3.5% in tier
- - Total Deposits: Bottom 4.0% in tier
- - Total Loans: Bottom 4.2% in tier
- - AMR Growth Rate: Bottom 4.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Asset Growth Rate: Bottom 7.1% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
- - Fee Income Per Member: Bottom 7.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
116
-6.5% YoY-1.7% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 1.9% in tier |
| Assets |
$545,343
-8.4% YoY-0.0% QoQ
|
$-29.3M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 3.4% in tier |
| Loans |
$175,002
-41.1% YoY-6.8% QoQ
|
$-15.6M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 4.1% in tier |
| Deposits |
$493,208
-7.1% YoY+0.8% QoQ
|
$-25.0M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% 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 |
-2.2%
-18.2% YoY+21.8% QoQ
|
-2.9% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.8% in tier |
| NIM |
2.4%
-27.5% YoY-17.0% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio |
185.4%
+30.0% YoY+19.9% QoQ
|
+104.0% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Top 1.5% in tier |
| Delinquency Rate |
5.4%
-79.7% YoY-8.5% QoQ
|
+3.9 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Top 5.4% in tier |
| Loan To Share |
35.5%
-36.6% YoY-7.5% QoQ
|
-25.8% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.6% in tier |
| AMR |
$5,760
-13.7% YoY+0.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.3% in tier |
| CD Concentration |
78.7%
-0.1% YoY-0.7% QoQ
|
+54.3% |
24.4%
+4.2% YoY
|
16.2%
+7.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
2.3%
-13.6% YoY
|
7.9%
-2.9% YoY
|
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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
228
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: -
#228 of 2596
Top 8.7% in <100M tier
Top Weaknesses (20 metrics)
2587
Share Certificate Concentration (%)
balance_sheet
Value:
78.66%
Peer Avg: -
#2587 of 2596
Bottom 0.4% in <100M tier
2558
Efficiency Ratio
profitability
Value:
185.40%
Peer Avg: -
#2558 of 2596
Bottom 1.5% in <100M tier
2555
Loan Growth Rate
growth
Value:
-41.08%
Peer Avg: -
#2555 of 2596
Bottom 1.6% in <100M tier
2546
Total Members
engagement
Value:
116
Peer Avg: -
#2546 of 2596
Bottom 2.0% in <100M tier
2524
Return on Assets (ROA)
profitability
Value:
-2.22%
Peer Avg: -
#2524 of 2596
Bottom 2.8% in <100M tier
2507
Total Assets
balance_sheet
Value:
$545,343
Peer Avg: -
#2507 of 2596
Bottom 3.5% in <100M tier
2492
Total Deposits
balance_sheet
Value:
$493,208
Peer Avg: -
#2492 of 2596
Bottom 4.0% in <100M tier
2489
Total Loans
balance_sheet
Value:
$175,002
Peer Avg: -
#2489 of 2596
Bottom 4.2% in <100M tier
2480
AMR Growth Rate
growth
Value:
-13.70%
Peer Avg: -
#2480 of 2596
Bottom 4.5% in <100M tier
2458
Total Delinquency Rate (60+ days)
risk
Value:
5.41%
Peer Avg: -
#2458 of 2596
Bottom 5.4% in <100M tier