BlastPoint's Credit Union Scorecard
MERCER COUNTY W VA TEACHERS
Charter #9413 · WV
MERCER COUNTY W VA TEACHERS has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.23% above tier average
- + Asset Growth Rate: Top 5.3% in tier
- + Deposit Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.70% above tier average
- - Share Certificate Concentration (%): Bottom 2.0% in tier
- - Net Worth Ratio: Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,528
+2.6% YoY+1.1% QoQ
|
-87 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$27.9M
+12.5% YoY+5.0% QoQ
|
$-2.3M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
57% |
| Loans |
$18.5M
+2.0% YoY+1.8% QoQ
|
+$2.7M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$25.3M
+12.7% YoY+5.6% QoQ
|
$-369K |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
0.8%
-12.6% YoY-22.7% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
59% |
| NIM |
3.4%
-6.4% YoY-4.6% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
31% |
| Efficiency Ratio |
63.1%
+1.7% YoY+13.0% QoQ
|
-19.5% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
15% |
| Delinquency Rate |
2.3%
+4.0% YoY+20.8% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
73.0%
-9.4% YoY-3.6% QoQ
|
+12.4% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
68% |
| AMR |
$17,327
+5.2% YoY+2.9% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
55.8%
+13.0% YoY+7.5% QoQ
|
+31.4% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)