BlastPoint's Credit Union Scorecard
MERCER COUNTY W VA TEACHERS
Charter #9413 · WV
MERCER COUNTY W VA TEACHERS has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.95% above tier average
- + Asset Growth Rate: Top 6.3% in tier
- + Deposit Growth Rate: Top 7.3% in tier
- + AMR Growth Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.57% above tier average
- - Member decline: -2.3% YoY
- - Share Certificate Concentration (%): Bottom 2.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,429
-2.3% YoY-3.9% QoQ
|
-247 |
2,676
+1.6% YoY
|
5,081
-0.5% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$28.0M
+10.7% YoY+0.4% QoQ
|
$-2.2M |
$30.2M
+1.3% YoY
|
$71.0M
+4.1% YoY
|
$578.3M
+9.0% YoY
|
57% |
| Loans |
$18.6M
+3.3% YoY+0.5% QoQ
|
+$3.3M |
$15.3M
-2.0% YoY
|
$37.7M
-0.4% YoY
|
$402.4M
+8.7% YoY
|
68% |
| Deposits |
$25.3M
+10.8% YoY+0.1% QoQ
|
$-440K |
$25.8M
+0.7% YoY
|
$60.8M
+3.5% YoY
|
$494.3M
+9.1% YoY
|
59% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+6.3% YoY+29.1% QoQ
|
+0.9% |
0.1%
-77.6% YoY
|
0.8%
-6.9% YoY
|
0.4%
-39.2% YoY
|
73% |
| NIM |
3.3%
-7.4% YoY-3.8% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
4.0%
+3.8% YoY
|
3.8%
+4.1% YoY
|
27% |
| Efficiency Ratio |
59.3%
+1.1% YoY-6.0% QoQ
|
-31.3% |
90.6%
+6.5% YoY
|
76.6%
+1.6% YoY
|
84.6%
+2.8% YoY
|
Top 11.3% in tier |
| Delinquency Rate |
2.1%
-29.8% YoY-8.1% QoQ
|
+0.6 |
1.5%
+3.8% YoY
|
1.3%
-25.1% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
73.3%
-6.8% YoY+0.4% QoQ
|
+14.8% |
58.5%
-3.0% YoY
|
57.8%
-4.2% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$18,079
+10.1% YoY+4.3% QoQ
|
+$3K |
$14,884
-1.7% YoY
|
$14,840
-0.3% YoY
|
$19,920
+1.6% YoY
|
70% |
| CD Concentration |
55.1%
+10.9% YoY-1.2% QoQ
|
+30.9% | 24.3% | 15.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.0% | 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)