BlastPoint's Credit Union Scorecard

STAR USA

Charter #911 · WV

100M-500M

1070 CUs in 100M-500M nationally 8 in WV

STAR USA has 3 strengths 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
+ ROA 0.16% above tier average
+ Net Interest Margin 0.64% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Efficiency ratio 3.76% above tier (higher cost structure)
- Delinquency rate 0.33% above tier average
- Member decline: -10.4% YoY
- Member Growth Rate: Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Members	13,708 -10.4% YoY-3.0% QoQ	-1.4K	15,145 -2.5% YoY	5,081 -0.5% YoY	33,913 +5.7% YoY	52%
Assets	$158.0M -3.0% YoY+0.5% QoQ	$-73.7M	$231.7M +0.8% YoY	$71.0M +4.1% YoY	$578.3M +9.0% YoY	35%
Loans	$107.9M -0.6% YoY+0.0% QoQ	$-36.3M	$144.1M +0.2% YoY	$37.7M -0.4% YoY	$402.4M +8.7% YoY	41%
Deposits	$132.2M -3.7% YoY+0.3% QoQ	$-68.9M	$201.1M +0.4% YoY	$60.8M +3.5% YoY	$494.3M +9.1% 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	0.9% -273.1% YoY-313.0% QoQ	+0.2%	0.7% +5.1% YoY	0.8% -6.9% YoY	0.4% -39.2% YoY	63%
NIM	4.3% +45.1% YoY+30.7% QoQ	+0.6%	3.6% +4.6% YoY	4.0% +3.8% YoY	3.8% +4.1% YoY	85%
Efficiency Ratio	81.8% -26.8% YoY-20.0% QoQ	+3.8%	78.0% -1.7% YoY	76.6% +1.6% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	1.1% -16.3% YoY-10.9% QoQ	+0.3	0.8% +7.1% YoY	1.3% -25.1% YoY	1.2% +3.4% YoY	80%
Loan To Share	81.6% +3.2% YoY-0.2% QoQ	+11.2%	70.4% -0.4% YoY	57.8% -4.2% YoY	65.6% -1.4% YoY	72%
AMR	$17,515 +9.0% YoY+3.3% QoQ	$-7K	$24,918 +2.7% YoY	$14,840 -0.3% YoY	$19,920 +1.6% YoY	19%
CD Concentration	18.3% +2.7% YoY-0.7% QoQ	-6.0%	24.3%	15.9%	19.8%	50%
Indirect Auto %	13.4% -25.2% YoY-11.2% QoQ	-0.4%	13.8%	2.0%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#159 of 491 • 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): 9.05%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#30 of 570 • 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): -10.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#49 of 570 • 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): -10.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.10%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#127 of 250 • 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: $158.02M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -10.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -0.62%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Efficiency Drag

risk

#593 of 596 • 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: 81.78%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 1.40% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -10.44%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 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 1070 peers in tier

Top Strengths (2 metrics)

129

AMR Growth Rate

growth

Value: 9.05%

Peer Median: 3.46%

#129 of 1070 Top 12.0% in 100M-500M tier

164

Net Interest Margin (NIM)

profitability

Value: 4.27%

Peer Median: 3.62%

#164 of 1070 Top 15.2% in 100M-500M tier

Top Weaknesses (7 metrics)

1042

Member Growth Rate

growth

Value: -10.44%

Peer Median: -0.06%

#1042 of 1070 Bottom 2.7% in 100M-500M tier

1008

Deposit Growth Rate

growth

Value: -3.69%

Peer Median: 3.30%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

1006

Asset Growth Rate

growth

Value: -3.04%

Peer Median: 3.91%

#1006 of 1070 Bottom 6.1% in 100M-500M tier

965

Fee Income Per Member

profitability

Value: $80.07

Peer Median: $154.95

#965 of 1070 Bottom 9.9% in 100M-500M tier

920

First Mortgage Concentration (%)

balance_sheet

Value: 50.16%

Peer Median: 29.47%

#920 of 1070 Bottom 14.1% in 100M-500M tier

871

Average Member Relationship (AMR)

engagement

Value: $17,515

Peer Median: $22,931

#871 of 1070 Bottom 18.7% in 100M-500M tier

853

Total Delinquency Rate (60+ days)

risk

Value: 1.10%

Peer Median: 0.61%

#853 of 1070 Bottom 20.4% in 100M-500M tier