BlastPoint's Credit Union Scorecard
W. VIRGINIA STATE CONVENTION
Charter #68112 · WV
W. VIRGINIA STATE CONVENTION has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.80% above tier average
- + Efficiency Ratio: Top 0.2% in tier
- + Loan Growth Rate: Top 1.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.44% above tier average
- - Member decline: -2.5% YoY
- - Members Per Employee (MPE): Bottom 0.1% in tier
- - Total Assets: Bottom 2.1% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Deposits: Bottom 2.8% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
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 -1.3% year over year ($343K in shares and deposits).
- Membership: 194 members, -2.5% vs a year ago.
- Delinquency rate 3.99%.
- Return on assets 3.29%.
- Efficiency ratio 19.42% vs a 88.77% peer average.
- Loan-to-share ratio 26.13% 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 |
194
-2.5% YoY-0.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 4.6% in tier |
| Assets |
$381,654
-0.5% YoY+1.0% QoQ
|
$-29.9M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.1% in tier |
| Loans |
$89,692
+41.9% YoY+14.1% QoQ
|
$-15.4M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
Bottom 2.6% in tier |
| Deposits |
$343,260
-1.3% YoY+0.4% QoQ
|
$-25.5M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 2.7% in tier |
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| ROA |
3.3%
+44.2% YoY+26.6% QoQ
|
+1.8% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
Top 3.4% in tier |
| NIM |
3.8%
+26.3% YoY+60.0% QoQ
|
-0.1% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
19.4%
-36.4% YoY+1364.7% QoQ
|
-69.3% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
Top 0.2% in tier |
| Delinquency Rate |
4.0%
-39.0% YoY+1153.0% QoQ
|
+2.4 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.7% in tier |
| Loan To Share |
26.1%
+43.8% YoY+13.7% QoQ
|
-32.8% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.9% in tier |
| AMR |
$2,232
+8.0% YoY+3.5% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.0% in tier |
| CD Concentration | 0.0% | -24.6% | 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)