BlastPoint's Credit Union Scorecard
W. VIRGINIA STATE CONVENTION
Charter #68112 · WV
<100M
2508 CUs in <100M nationally
63 in WV
W. VIRGINIA STATE CONVENTION has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.45% above tier average
- + Efficiency Ratio: Top 0.1% in tier
- + Loan Growth Rate: Top 1.1% in tier
Key Concerns
Areas that may need attention
- - Total Assets: Bottom 2.3% in tier
- - Total Loans: Bottom 2.6% in tier
- - Total Deposits: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Average Member Relationship (AMR): Bottom 3.2% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Total Members: Bottom 4.6% in tier
- - Asset Growth Rate: Bottom 5.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
195
-1.5% YoY+0.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 4.5% in tier |
| Assets |
$378,053
-9.1% YoY-7.2% QoQ
|
$-29.8M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
Bottom 2.2% in tier |
| Loans |
$78,592
+44.5% YoY+24.5% QoQ
|
$-15.2M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.5% in tier |
| Deposits |
$341,874
-10.3% YoY-8.1% QoQ
|
$-25.4M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
Bottom 2.8% in tier |
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| ROA |
2.6%
+39.3% YoY+71.7% QoQ
|
+2.5% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 3.0% in tier |
| NIM |
2.4%
-35.2% YoY-22.6% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.6% in tier |
| Efficiency Ratio |
1.3%
-97.4% YoY-97.6% QoQ
|
-89.3% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 0.1% in tier |
| Delinquency Rate |
0.3%
-85.0% YoY
|
-1.2 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
35% |
| Loan To Share |
23.0%
+61.1% YoY+35.5% QoQ
|
-35.5% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.3% in tier |
| AMR |
$2,156
-2.0% YoY-3.8% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.1% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 7.7% | 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 Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
4
Efficiency Ratio
profitability
Value:
1.33%
Peer Median: 81.45%
#4 of 2508
Top 0.1% in <100M tier
28
Loan Growth Rate
growth
Value:
44.48%
Peer Median: -2.36%
#28 of 2508
Top 1.1% in <100M tier
74
Return on Assets (ROA)
profitability
Value:
2.60%
Peer Median: 0.61%
#74 of 2508
Top 2.9% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (13 metrics)
2452
Total Assets
balance_sheet
Value:
$378,053
Peer Median: $21.86M
#2452 of 2508
Bottom 2.3% in <100M tier
2445
Total Loans
balance_sheet
Value:
$78,592
Peer Median: $9.48M
#2445 of 2508
Bottom 2.6% in <100M tier
2439
Total Deposits
balance_sheet
Value:
$341,874
Peer Median: $18.77M
#2439 of 2508
Bottom 2.8% in <100M tier
2430
Loan-to-Member Ratio (LMR)
engagement
Value:
$403.04
Peer Median: $4,923
#2430 of 2508
Bottom 3.1% in <100M tier
2429
Average Member Relationship (AMR)
engagement
Value:
$2,156
Peer Median: $13,926
#2429 of 2508
Bottom 3.2% in <100M tier
2415
Members Per Employee (MPE)
engagement
Value:
48.750
Peer Median: 333.750
#2415 of 2508
Bottom 3.7% in <100M tier
2394
Total Members
engagement
Value:
195
Peer Median: 1,918
#2394 of 2508
Bottom 4.6% in <100M tier
2365
Asset Growth Rate
growth
Value:
-9.11%
Peer Median: 1.30%
#2365 of 2508
Bottom 5.7% in <100M tier
2350
Deposit Growth Rate
growth
Value:
-10.34%
Peer Median: 0.66%
#2350 of 2508
Bottom 6.3% in <100M tier
2347
Loan-to-Share Ratio
balance_sheet
Value:
22.99%
Peer Median: 58.72%
#2347 of 2508
Bottom 6.5% in <100M tier