BlastPoint's Credit Union Scorecard

WILLOW ISLAND

Charter #8474 · WV

<100M

2508 CUs in <100M nationally 63 in WV

WILLOW ISLAND 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

+ Net Interest Margin 0.62% above tier average

Key Concerns

Areas that may need attention

- ROA 3.18% below tier average
- Member decline: -2.1% YoY
- Net Worth Ratio: Bottom 2.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	1,701 -2.1% YoY-3.1% QoQ	-975	2,676 +1.6% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	45%
Assets	$12.3M +1.2% YoY+5.1% QoQ	$-17.9M	$30.2M +1.3% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	36%
Loans	$9.6M -0.1% YoY+4.6% QoQ	$-5.7M	$15.3M -2.0% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	50%
Deposits	$11.4M +1.5% YoY+5.8% QoQ	$-14.4M	$25.8M +0.7% YoY	$60.8M +3.5% YoY	$494.3M +9.1% YoY	39%

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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	-3.0% +403.5% YoY+497.1% QoQ	-3.2%	0.1% -77.6% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	Bottom 3.3% in tier
NIM	4.6% +2.5% YoY-4.4% QoQ	+0.6%	4.0% +4.0% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	78.1% -11.3% YoY-13.7% QoQ	-12.6%	90.6% +6.5% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	41%
Delinquency Rate	1.4% +121.7% YoY-50.7% QoQ	-0.1	1.5% +3.8% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	73%
Loan To Share	84.3% -1.5% YoY-1.1% QoQ	+25.8%	58.5% -3.0% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	Top 13.7% in tier
AMR	$12,368 +2.9% YoY+8.6% QoQ	$-3K	$14,884 -1.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	41%
CD Concentration	34.1% +26.5% YoY-1.1% QoQ	+9.8%	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

341

Loan-to-Share Ratio

balance_sheet

Value: 84.27%

Peer Median: 58.72%

#341 of 2508 Top 13.6% in <100M tier

486

Net Interest Margin (NIM)

profitability

Value: 4.63%

Peer Median: 3.83%

#486 of 2508 Top 19.3% in <100M tier

490

Fee Income Per Member

profitability

Value: $124.81

Peer Median: $60.42

#490 of 2508 Top 19.5% in <100M tier

Top Weaknesses (3 metrics)

2438

Net Worth Ratio

risk

Value: 7.33%

Peer Median: 14.28%

#2438 of 2508 Bottom 2.8% in <100M tier

2425

Return on Assets (ROA)

profitability

Value: -3.03%

Peer Median: 0.61%

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

2196

Share Certificate Concentration (%)

balance_sheet

Value: 34.05%

Peer Median: 12.45%

#2196 of 2508 Bottom 12.5% in <100M tier