BlastPoint's Credit Union Scorecard
WILLOW ISLAND
Charter #8474 · WV
WILLOW ISLAND has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.98% above tier average
- + Loan-to-Share Ratio: Top 9.5% in tier
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.10% below tier average
- - Member decline: -2.7% YoY
- - Net Worth Ratio: Bottom 4.4% in tier
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 63 that size in West Virginia.
- Shares and deposits +0.3% year over year ($11.0M in shares and deposits).
- Membership: 1,704 members, -2.7% vs a year ago.
- Delinquency rate 0.72%.
- Return on assets 0.40%.
- Efficiency ratio 76.12% vs a 88.77% peer average.
- Loan-to-share ratio 89.72% 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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,704
-2.7% YoY+0.2% QoQ
|
-881 |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
45% |
| Assets |
$12.0M
-1.6% YoY-3.0% QoQ
|
$-18.3M |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
36% |
| Loans |
$9.9M
+2.9% YoY+2.5% QoQ
|
$-5.6M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$11.0M
+0.3% YoY-3.7% QoQ
|
$-14.8M |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
38% |
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| ROA |
0.4%
-547.0% YoY-113.1% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
24% |
| NIM |
4.9%
+6.4% YoY+5.4% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 13.7% in tier |
| Efficiency Ratio |
76.1%
-11.3% YoY-2.5% QoQ
|
-12.6% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
0.7%
-33.0% YoY-48.2% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
51% |
| Loan To Share |
89.7%
+2.6% YoY+6.5% QoQ
|
+30.8% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
Top 9.6% in tier |
| AMR |
$12,242
+4.3% YoY-1.0% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
32.2%
-4.1% YoY-5.6% QoQ
|
+7.6% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)