BlastPoint's Credit Union Scorecard

HUNTINGTON WEST VA FIREMENS

Charter #795 · WV

<100M

2508 CUs in <100M nationally 63 in WV

HUNTINGTON WEST VA FIREMENS has 1 strength but faces 3 concerns

National Analysis

How does the industry compare?

WV Analysis

How does WV stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.47% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 1.28% above tier average
- Fee Income Per Member: Bottom 0.5% in tier
- Share Certificate Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	651 +0.5% YoY+0.5% QoQ	-2.0K	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	18%
Assets	$6.0M +6.1% YoY+3.0% QoQ	$-24.2M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	22%
Loans	$3.3M -4.3% YoY-1.9% QoQ	$-12.0M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	26%
Deposits	$5.2M +6.6% YoY+3.2% QoQ	$-20.6M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -23.1% YoY+135.9% QoQ	+0.5%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	50%
NIM	3.4% +4.5% YoY+9.9% QoQ	-0.6%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	81.9% +8.5% YoY-10.6% QoQ	-8.7%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	2.8% +1277.4% YoY+323.1% QoQ	+1.3	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	Bottom 12.5% in tier
Loan To Share	62.7% -10.2% YoY-4.9% QoQ	+4.2%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	56%
AMR	$13,030 +1.6% YoY+0.7% QoQ	$-2K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	45%
CD Concentration	50.6% +3.7% YoY+0.1% QoQ	+26.4%	24.3%	15.9%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

427

Deposit Growth Rate

growth

Value: 6.59%

Peer Median: 0.66%

#427 of 2508 Top 17.0% in <100M tier

472

Asset Growth Rate

growth

Value: 6.11%

Peer Median: 1.30%

#472 of 2508 Top 18.8% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (7 metrics)

2496

Fee Income Per Member

profitability

Value: $-0.47

Peer Median: $60.42

#2496 of 2508 Bottom 0.5% in <100M tier

2425

Share Certificate Concentration (%)

balance_sheet

Value: 50.63%

Peer Median: 12.45%

#2425 of 2508 Bottom 3.3% in <100M tier

2195

Total Delinquency Rate (60+ days)

risk

Value: 2.78%

Peer Median: 0.65%

#2195 of 2508 Bottom 12.5% in <100M tier

2060

Total Members

engagement

Value: 651

Peer Median: 1,918

#2060 of 2508 Bottom 17.9% in <100M tier

2032

Members Per Employee (MPE)

engagement

Value: 217.000

Peer Median: 333.750

#2032 of 2508 Bottom 19.0% in <100M tier

1949

Total Assets

balance_sheet

Value: $5.97M

Peer Median: $21.86M

#1949 of 2508 Bottom 22.3% in <100M tier

1915

Total Deposits

balance_sheet

Value: $5.21M

Peer Median: $18.77M

#1915 of 2508 Bottom 23.7% in <100M tier