BlastPoint's Credit Union Scorecard
WEST BRANCH VALLEY
Charter #7821 · PA
WEST BRANCH VALLEY has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Loan Growth Rate: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.27% below tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 183 that size in Pennsylvania.
- Shares and deposits +1.2% year over year ($45.4M in shares and deposits).
- Membership: 4,560 members, -0.8% vs a year ago.
- Delinquency rate 0.21%.
- Return on assets 1.22%.
- Efficiency ratio 72.72% vs a 88.77% peer average.
- Loan-to-share ratio 74.26% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,560
-0.8% YoY0% QoQ
|
+2.0K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$50.8M
+1.7% YoY+0.2% QoQ
|
+$20.5M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
77% |
| Loans |
$33.7M
+19.1% YoY+5.5% QoQ
|
+$18.2M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
Top 14.0% in tier |
| Deposits |
$45.4M
+1.2% YoY-0.2% QoQ
|
+$19.6M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
79% |
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| ROA |
1.2%
+143.4% YoY+91.5% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
4.0%
+10.7% YoY+4.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
72.7%
-7.9% YoY-5.0% QoQ
|
-16.0% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
0.2%
-54.8% YoY-35.1% QoQ
|
-1.3 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
27% |
| Loan To Share |
74.3%
+17.7% YoY+5.8% QoQ
|
+15.4% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$17,335
+8.9% YoY+2.1% QoQ
|
+$2K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
66% |
| CD Concentration |
10.8%
+4.5% YoY-0.3% QoQ
|
-13.8% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)