BlastPoint's Credit Union Scorecard
LOCAL NO. 317 I.A.F.F.
Charter #68113 · WV
LOCAL NO. 317 I.A.F.F. has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 3.60% above tier average
- + Net Interest Margin 1.37% above tier average
- + Strong member growth: 12.0% YoY
- + Efficiency Ratio: Top 0.7% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Loan-to-Member Ratio (LMR): Top 2.5% in tier
- + Member Growth Rate: Top 2.8% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
- - Members Per Employee (MPE): Bottom 10.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
456
+12.0% YoY+9.9% QoQ
|
-2.2K |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
Bottom 12.4% in tier |
| Assets |
$10.1M
+0.1% YoY-2.0% QoQ
|
$-20.1M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
32% |
| Loans |
$6.4M
+4.9% YoY+1.8% QoQ
|
$-8.8M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
40% |
| Deposits |
$9.1M
-0.2% YoY-1.9% QoQ
|
$-16.7M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
34% |
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| ROA |
3.8%
-2.8% YoY+1155.0% QoQ
|
+3.6% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
Top 1.2% in tier |
| NIM |
5.4%
-1.8% YoY+190.2% QoQ
|
+1.4% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
25.9%
+2.8% YoY-63.6% QoQ
|
-64.7% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 0.7% in tier |
| Delinquency Rate | 0.2% | -1.3 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
70.7%
+5.1% YoY+3.8% QoQ
|
+12.2% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
69% |
| AMR |
$34,128
-9.1% YoY-9.3% QoQ
|
+$19K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
Top 2.2% 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)
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)