BlastPoint's Credit Union Scorecard
WEST BRANCH VALLEY
Charter #7821 · PA
WEST BRANCH VALLEY demonstrates 3 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.49% above tier average
- + Loan Growth Rate: Top 2.5% in tier
- + AMR Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,560
-0.8% YoY-0.3% QoQ
|
+1.9K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$50.7M
+2.4% YoY+2.3% QoQ
|
+$20.5M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$31.9M
+24.6% YoY+4.1% QoQ
|
+$16.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
85% |
| Deposits |
$45.5M
+0.9% YoY+1.8% QoQ
|
+$19.7M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
0.6%
-27.9% YoY-2.3% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
51% |
| NIM |
3.9%
+7.5% YoY+2.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
52% |
| Efficiency Ratio |
76.6%
-2.3% YoY-0.8% QoQ
|
-14.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
0.3%
-64.4% YoY+54.6% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
36% |
| Loan To Share |
70.2%
+23.5% YoY+2.3% QoQ
|
+11.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$16,971
+10.4% YoY+3.0% QoQ
|
+$2K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
10.8%
-1.8% YoY-2.3% QoQ
|
-13.4% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)