BlastPoint's Credit Union Scorecard
RALEIGH COUNTY
Charter #7790 · WV
RALEIGH COUNTY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.47% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -2.3% YoY
- - Loan Growth Rate: Bottom 7.9% in tier
- - Net Charge-Off Rate: Bottom 9.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,053
-2.3% YoY+0.5% QoQ
|
-623 |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
53% |
| Assets |
$20.8M
+5.5% YoY+4.2% QoQ
|
$-9.4M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
49% |
| Loans |
$10.8M
-18.4% YoY-4.9% QoQ
|
$-4.5M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
54% |
| Deposits |
$18.0M
+5.3% YoY+4.8% QoQ
|
$-7.7M |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
49% |
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| ROA |
0.6%
-11.4% YoY-30.8% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
4.0%
-11.8% YoY-9.4% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
59% |
| Efficiency Ratio |
78.9%
+1.0% YoY-1.0% QoQ
|
-11.7% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
43% |
| Delinquency Rate |
0.3%
-53.7% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
32% |
| Loan To Share |
59.8%
-22.5% YoY-9.2% QoQ
|
+1.3% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$14,044
-2.8% YoY+0.5% QoQ
|
$-840 |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
51% |
| CD Concentration |
26.2%
+24.8% YoY+7.5% QoQ
|
+1.9% | 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)