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 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + 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 1.3% in tier
- + Average Member Relationship (AMR): Top 1.5% in tier
- + Loan-to-Member Ratio (LMR): Top 1.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.32% below tier average
- - Net Interest Margin (NIM): Bottom 3.2% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - Net Worth Ratio: Bottom 6.9% in tier
- - Members Per Employee (MPE): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
415
+0.2% YoY0% QoQ
|
-2.2K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
Bottom 11.5% in tier |
| Assets |
$10.3M
+5.1% YoY+1.8% QoQ
|
$-19.8M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
32% |
| Loans |
$6.3M
+2.7% YoY-3.4% QoQ
|
$-9.4M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
39% |
| Deposits |
$9.3M
+3.7% YoY+1.3% QoQ
|
$-16.4M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
35% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
+86.9% YoY-77.0% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
30% |
| NIM |
1.9%
+7.7% YoY-36.0% QoQ
|
-2.1% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio |
71.3%
-6.7% YoY+51.3% QoQ
|
-11.3% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate | 0.0% | -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 |
68.1%
-1.0% YoY-4.7% QoQ
|
+7.5% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$37,643
+3.1% YoY-0.7% QoQ
|
+$23K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
Top 1.6% 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)
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)