BlastPoint's Credit Union Scorecard
LOCAL NO. 317 I.A.F.F.
Charter #68113 · WV
LOCAL NO. 317 I.A.F.F. has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.62% 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
- + Net Charge-Off Rate: Top 0.9% in tier
- + Average Member Relationship (AMR): Top 1.4% in tier
- + Loan-to-Member Ratio (LMR): Top 1.5% in tier
- + Efficiency Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 7.8% in tier
- - Members Per Employee (MPE): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
415
-1.9% YoY-0.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
5,095
+0.6% YoY
|
33,089
+6.1% YoY
|
Bottom 11.7% in tier |
| Assets |
$10.1M
+5.2% YoY+0.9% QoQ
|
$-19.7M |
$29.9M
+1.1% YoY
|
$68.6M
+3.5% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$6.6M
+8.6% YoY+3.0% QoQ
|
$-9.2M |
$15.8M
-2.4% YoY
|
$38.2M
+0.9% YoY
|
$388.7M
+8.6% YoY
|
40% |
| Deposits |
$9.2M
+5.6% YoY-0.0% QoQ
|
$-16.3M |
$25.5M
+0.4% YoY
|
$58.7M
+3.0% YoY
|
$464.6M
+9.3% YoY
|
34% |
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| ROA |
1.3%
-6.2% YoY+984.6% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
1.0%
+49.4% YoY
|
0.7%
+273.4% YoY
|
74% |
| NIM |
2.9%
-2.3% YoY+65.5% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.9%
+3.9% YoY
|
3.7%
+5.0% YoY
|
15% |
| Efficiency Ratio |
47.1%
+4.7% YoY-40.8% QoQ
|
-34.3% |
81.4%
-2.4% YoY
|
72.7%
-3.2% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
-2.0% YoY
|
1.3%
-29.4% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
71.5%
+2.9% YoY+3.0% QoQ
|
+10.2% |
61.2%
-3.0% YoY
|
60.8%
-6.8% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$37,894
+8.9% YoY+1.7% QoQ
|
+$23K |
$14,627
-2.7% YoY
|
$14,844
+2.4% YoY
|
$19,418
+1.3% YoY
|
Top 1.4% 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)
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)