BlastPoint's Credit Union Scorecard
THE STATE
Charter #67222 · WV
THE STATE demonstrates 8 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 2.9% in tier
- + Total Members: Top 3.0% in tier
- + Total Loans: Top 4.5% in tier
- + Total Deposits: Top 5.3% in tier
- + Members Per Employee (MPE): Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
8,408
+0.6% YoY+0.1% QoQ
|
+5.8K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Top 3.1% in tier |
| Assets |
$92.6M
+6.5% YoY+1.4% QoQ
|
+$62.5M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Top 2.9% in tier |
| Loans |
$51.9M
-2.7% YoY-2.1% QoQ
|
+$36.1M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Top 4.6% in tier |
| Deposits |
$74.2M
+5.7% YoY+1.2% QoQ
|
+$48.5M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Top 5.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.6%
-4.6% YoY-1.2% QoQ
|
+1.0% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Top 13.5% in tier |
| NIM |
4.0%
+0.8% YoY-0.9% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
63.9%
+2.3% YoY+0.5% QoQ
|
-18.7% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.1%
-91.9% YoY-69.4% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
70.0%
-7.9% YoY-3.3% QoQ
|
+9.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
64% |
| AMR |
$14,994
+1.6% YoY-0.3% QoQ
|
+$212 |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
56% |
| CD Concentration |
21.4%
+29.2% YoY+4.6% QoQ
|
-3.0% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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)