BlastPoint's Credit Union Scorecard
HUNTINGTON WEST VA FIREMENS
Charter #795 · WV
HUNTINGTON WEST VA FIREMENS has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 9.03% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
648
-0.3% YoY+0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$5.8M
+7.2% YoY+1.9% QoQ
|
$-24.3M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
22% |
| Loans |
$3.3M
-2.1% YoY+0.7% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$5.1M
+8.3% YoY+2.9% QoQ
|
$-20.6M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
23% |
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| ROA |
0.3%
+94.8% YoY-80.0% QoQ
|
-0.4% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.1%
-10.3% YoY-11.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
91.6%
-4.7% YoY+46.6% QoQ
|
+9.0% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.7%
+44.9% YoY-69.6% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
65.9%
-9.6% YoY-2.1% QoQ
|
+5.3% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
58% |
| AMR |
$12,937
+4.2% YoY+1.6% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
50.6%
+11.4% YoY+2.4% QoQ
|
+26.1% | 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)