BlastPoint's Credit Union Scorecard
W. VIRGINIA STATE CONVENTION
Charter #68112 · WV
2596 CUs in <100M nationally
63 in WV
W. VIRGINIA STATE CONVENTION has 7 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.0% in tier
- + Loan Growth Rate: Top 8.1% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.41% above tier average
- - Total Loans: Bottom 2.5% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
- - Total Assets: Bottom 2.7% in tier
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 4.0% in tier
- - Total Members: Bottom 4.6% in tier
- - Net Worth Ratio: Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
-1.0% YoY-2.5% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 4.5% in tier |
| Assets |
$410,963
-0.0% YoY+7.1% QoQ
|
$-29.4M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.7% in tier |
| Loans |
$69,072
+12.2% YoY+9.3% QoQ
|
$-15.7M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.4% in tier |
| Deposits |
$374,285
-1.1% YoY+7.6% QoQ
|
$-25.1M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
Bottom 3.3% in tier |
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| ROA |
1.8%
-17.1% YoY-20.3% QoQ
|
+1.1% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
Top 12.6% in tier |
| NIM |
2.9%
-23.9% YoY-3.7% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
43.2%
-7.7% YoY+41.4% QoQ
|
-38.2% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
1.9%
+756.5% YoY-70.6% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
79% |
| Loan To Share |
18.5%
+13.4% YoY+1.6% QoQ
|
-42.8% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.8% in tier |
| AMR |
$2,285
+1.8% YoY+10.6% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 3.3% in tier |
| CD Concentration | 0.0% | -24.4% |
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 (7 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
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
80
Efficiency Ratio
profitability
Value:
43.18%
Peer Avg: -
#80 of 2596
Top 3.0% in <100M tier
210
Loan Growth Rate
growth
Value:
12.18%
Peer Avg: -
#210 of 2596
Top 8.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
327
Return on Assets (ROA)
profitability
Value:
1.82%
Peer Avg: -
#327 of 2596
Top 12.6% in <100M tier
Top Weaknesses (12 metrics)
2533
Total Loans
balance_sheet
Value:
$69,072
Peer Avg: -
#2533 of 2596
Bottom 2.5% in <100M tier
2526
Loan-to-Member Ratio (LMR)
engagement
Value:
$356.04
Peer Avg: -
#2526 of 2596
Bottom 2.7% in <100M tier
2526
Total Assets
balance_sheet
Value:
$410,963
Peer Avg: -
#2526 of 2596
Bottom 2.7% in <100M tier
2511
Average Member Relationship (AMR)
engagement
Value:
$2,285
Peer Avg: -
#2511 of 2596
Bottom 3.3% in <100M tier
2510
Total Deposits
balance_sheet
Value:
$374,285
Peer Avg: -
#2510 of 2596
Bottom 3.4% in <100M tier
2501
Members Per Employee (MPE)
engagement
Value:
48.500
Peer Avg: -
#2501 of 2596
Bottom 3.7% in <100M tier
2494
Loan-to-Share Ratio
balance_sheet
Value:
18.45%
Peer Avg: -
#2494 of 2596
Bottom 4.0% in <100M tier
2478
Total Members
engagement
Value:
194
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2362
Net Worth Ratio
risk
Value:
8.92%
Peer Avg: -
#2362 of 2596
Bottom 9.1% in <100M tier
2208
Fee Income Per Member
profitability
Value:
$5.45
Peer Avg: -
#2208 of 2596
Bottom 15.0% in <100M tier