BlastPoint's Credit Union Scorecard

STAR USA

Charter #911 · WV

100M-500M

1069 CUs in 100M-500M nationally 8 in WV

STAR USA has 1 strength but faces 8 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

+ Wallet Share Momentum: Top 50.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 1.18% below tier average
- Efficiency ratio 25.27% above tier (higher cost structure)
- Delinquency rate 0.34% above tier average

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	14,135 -8.0% YoY-1.5% QoQ	-1.3K	15,437 -2.9% YoY	5,083 -0.6% YoY	33,374 +5.7% YoY	54%
Assets	$157.3M -4.5% YoY+0.2% QoQ	$-74.6M	$231.9M +1.3% YoY	$69.7M +5.0% YoY	$561.6M +9.7% YoY	33%
Loans	$107.9M -3.1% YoY-0.7% QoQ	$-39.5M	$147.3M -0.1% YoY	$38.0M -0.4% YoY	$397.0M +8.8% YoY	40%
Deposits	$131.9M -3.1% YoY+0.4% QoQ	$-68.9M	$200.8M +0.8% YoY	$59.6M +4.6% YoY	$477.3M +9.7% YoY	31%

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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	-0.4% +195.6% YoY-2.7% QoQ	-1.2%	0.8% +18.2% YoY	0.9% +20.0% YoY	0.7% +15.9% YoY	Bottom 3.0% in tier
NIM	3.3% +10.3% YoY+1.1% QoQ	-0.3%	3.6% +6.7% YoY	3.9% +5.0% YoY	3.8% +5.1% YoY	30%
Efficiency Ratio	102.3% +2.4% YoY-2.4% QoQ	+25.3%	77.0% -3.1% YoY	74.6% -2.6% YoY	79.7% -3.3% YoY	Bottom 1.9% in tier
Delinquency Rate	1.2% -25.3% YoY+0.9% QoQ	+0.3	0.9% +4.2% YoY	1.4% -22.3% YoY	1.3% -2.1% YoY	79%
Loan To Share	81.8% +0.0% YoY-1.1% QoQ	+9.6%	72.2% -1.1% YoY	59.6% -5.3% YoY	67.4% -1.7% YoY	69%
AMR	$16,959 +5.4% YoY+1.4% QoQ	$-8K	$24,676 +3.4% YoY	$14,830 +1.4% YoY	$19,687 +2.0% YoY	17%
CD Concentration	18.4% +0.5% YoY+2.5% QoQ	-6.0%	24.4%	15.7%	19.8%	50%
Indirect Auto %	15.1% -24.4% YoY-10.3% QoQ	+1.3%	13.8%	2.1%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#474 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.38%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Stagnation Risk

risk

#36 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -8.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.07%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.24%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#60 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -8.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#95 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $157.31M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -8.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -3.07%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Efficiency Drag

risk

#246 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 102.29%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.28% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -8.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#495 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -4.50%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 15.06%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -8.04%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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 1069 peers in tier

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

1050

Efficiency Ratio

profitability

Value: 102.29%

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

1040

Asset Growth Rate

growth

Value: -4.50%

Peer Median: -

#1040 of 1069 Bottom 2.8% in 100M-500M tier

1037

Return on Assets (ROA)

profitability

Value: -0.42%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

1016

Member Growth Rate

growth

Value: -8.04%

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

1001

Deposit Growth Rate

growth

Value: -3.11%

Peer Median: -

#1001 of 1069 Bottom 6.5% in 100M-500M tier

949

Fee Income Per Member

profitability

Value: $90.98

Peer Median: -

#949 of 1069 Bottom 11.3% in 100M-500M tier

889

Average Member Relationship (AMR)

engagement

Value: $16,959

Peer Median: -

#889 of 1069 Bottom 16.9% in 100M-500M tier

875

Loan Growth Rate

growth

Value: -3.07%

Peer Median: -

#875 of 1069 Bottom 18.2% in 100M-500M tier

875

First Mortgage Concentration (%)

balance_sheet

Value: 46.59%

Peer Median: -

#875 of 1069 Bottom 18.2% in 100M-500M tier

850

Total Delinquency Rate (60+ days)

risk

Value: 1.24%

Peer Median: -

#850 of 1069 Bottom 20.6% in 100M-500M tier