BlastPoint's Credit Union Scorecard
WILLOW ISLAND
Charter #8474 · WV
WILLOW ISLAND has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.89% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.13% below tier average
- - Efficiency ratio 7.84% above tier (higher cost structure)
- - Delinquency rate 1.27% above tier average
- - Net Worth Ratio: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,756
+1.9% YoY+0.4% QoQ
|
-859 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
46% |
| Assets |
$11.7M
-2.6% YoY-0.2% QoQ
|
$-18.4M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
35% |
| Loans |
$9.2M
-5.0% YoY-1.7% QoQ
|
$-6.6M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$10.8M
-2.7% YoY-0.2% QoQ
|
$-14.9M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
-0.5%
-366.7% YoY+103.1% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
Bottom 8.8% in tier |
| NIM |
4.8%
+7.4% YoY+1.3% QoQ
|
+0.9% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
82% |
| Efficiency Ratio |
90.4%
-1.5% YoY-1.1% QoQ
|
+7.8% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
2.8%
+136.2% YoY+54.2% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 14.0% in tier |
| Loan To Share |
85.2%
-2.4% YoY-1.5% QoQ
|
+24.6% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
Top 15.0% in tier |
| AMR |
$11,386
-5.6% YoY-1.3% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
34.4%
+33.0% YoY+3.3% QoQ
|
+10.0% | 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)