BlastPoint's Credit Union Scorecard
W. VIRGINIA STATE CONVENTION
Charter #68112 · WV
2556 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 0.89% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + 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 7.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.0% YoY
- - Loan-to-Member Ratio (LMR): Bottom 2.3% in tier
- - Total Loans: Bottom 2.3% in tier
- - Total Assets: Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 3.1% in tier
- - Total Deposits: Bottom 3.2% in tier
- - Loan-to-Share Ratio: Bottom 3.6% in tier
- - Net Worth Ratio: Bottom 3.7% in tier
- - Members Per Employee (MPE): Bottom 3.7% in tier
- - Total Members: Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
-2.0% YoY0% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.4% in tier |
| Assets |
$407,304
-4.3% YoY-0.9% QoQ
|
$-29.7M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.5% in tier |
| Loans |
$63,105
-0.3% YoY-8.6% QoQ
|
$-15.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.3% in tier |
| Deposits |
$371,868
-5.0% YoY-0.6% QoQ
|
$-25.3M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.2% in tier |
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| ROA |
1.5%
+22.2% YoY-16.7% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
3.1%
-5.2% YoY+6.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
54.7%
-18.2% YoY+26.7% QoQ
|
-27.9% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 7.0% in tier |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
17.0%
+5.0% YoY-8.0% QoQ
|
-43.6% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.4% in tier |
| AMR |
$2,242
-2.4% YoY-1.9% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.1% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 7.8% | 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
181
Efficiency Ratio
profitability
Value:
54.70%
Peer Median: -
#181 of 2556
Top 7.0% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
405
Return on Assets (ROA)
profitability
Value:
1.51%
Peer Median: -
#405 of 2556
Top 15.8% in <100M tier
Top Weaknesses (13 metrics)
2499
Loan-to-Member Ratio (LMR)
engagement
Value:
$325.28
Peer Median: -
#2499 of 2556
Bottom 2.3% in <100M tier
2497
Total Loans
balance_sheet
Value:
$63,105
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2491
Total Assets
balance_sheet
Value:
$407,304
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2478
Average Member Relationship (AMR)
engagement
Value:
$2,242
Peer Median: -
#2478 of 2556
Bottom 3.1% in <100M tier
2474
Total Deposits
balance_sheet
Value:
$371,868
Peer Median: -
#2474 of 2556
Bottom 3.2% in <100M tier
2466
Loan-to-Share Ratio
balance_sheet
Value:
16.97%
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2462
Net Worth Ratio
risk
Value:
7.73%
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2462
Members Per Employee (MPE)
engagement
Value:
48.500
Peer Median: -
#2462 of 2556
Bottom 3.7% in <100M tier
2440
Total Members
engagement
Value:
194
Peer Median: -
#2440 of 2556
Bottom 4.6% in <100M tier
2212
Fee Income Per Member
profitability
Value:
$4.89
Peer Median: -
#2212 of 2556
Bottom 13.5% in <100M tier