BlastPoint's Credit Union Scorecard
METRO COMMUNITY
Charter #8791 · WV
METRO COMMUNITY has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.19% above tier average
- + Net Interest Margin 1.17% above tier average
Key Concerns
Areas that may need attention
- - Delinquency rate 1.44% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,600
-1.8% YoY-0.6% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$48.5M
+8.0% YoY+1.9% QoQ
|
+$18.3M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$27.1M
-1.9% YoY-2.8% QoQ
|
+$11.3M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
79% |
| Deposits |
$43.5M
+7.6% YoY+2.1% QoQ
|
+$17.8M |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.8%
-9.7% YoY-16.5% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
57% |
| NIM |
5.1%
+5.8% YoY+0.8% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 11.7% in tier |
| Efficiency Ratio |
77.8%
+1.1% YoY+1.1% QoQ
|
-4.8% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
3.0%
+85.2% YoY+3.0% QoQ
|
+1.4 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 13.0% in tier |
| Loan To Share |
62.3%
-8.9% YoY-4.9% QoQ
|
+1.7% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
52% |
| AMR |
$15,340
+5.6% YoY+0.8% QoQ
|
+$557 |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
9.8%
+13.3% YoY+16.0% QoQ
|
-14.6% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % |
5.4%
-29.9% YoY-11.2% QoQ
|
-8.4% | 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)