BlastPoint's Credit Union Scorecard
THE STATE
Charter #67222 · WV
THE STATE has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 1.5% in tier
- + Total Members: Top 2.7% in tier
- + Total Loans: Top 3.8% in tier
- + Total Deposits: Top 4.7% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
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 +4.8% year over year ($75.7M in shares and deposits).
- Membership: 8,441 members, +0.5% vs a year ago.
- Delinquency rate 0.25%.
- Return on assets 1.27%.
- Efficiency ratio 69.33% vs a 88.77% peer average.
- Loan-to-share ratio 71.17% 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 |
8,441
+0.5% YoY+0.1% QoQ
|
+5.9K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Top 2.8% in tier |
| Assets |
$95.3M
+5.9% YoY+0.5% QoQ
|
+$65.1M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Top 1.5% in tier |
| Loans |
$53.9M
-0.2% YoY+5.7% QoQ
|
+$38.4M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
Top 3.9% in tier |
| Deposits |
$75.7M
+4.8% YoY-0.3% QoQ
|
+$49.9M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Top 4.8% 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 |
1.3%
-26.2% YoY+21.9% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.7%
-8.7% YoY+4.2% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
69.3%
+12.1% YoY-5.7% QoQ
|
-19.4% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
25% |
| Delinquency Rate |
0.3%
+135.7% YoY+353.2% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
71.2%
-4.8% YoY+6.0% QoQ
|
+12.3% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
69% |
| AMR |
$15,348
+2.2% YoY+2.0% QoQ
|
+$385 |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
57% |
| CD Concentration |
22.1%
+19.8% YoY+0.8% QoQ
|
-2.5% | 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)