BlastPoint's Banking Scorecard

West Union Bank

$100M-$1B Specialty: Commercial WV FDIC cert 2452

West Union, WV

5 branches across WV

2664 banks in the $100M-$1B peer group nationally 33 in WV

West Union Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 5.95% below tier average

Key Concerns

Areas that may need attention

- ROA 0.22% below tier average
- Net Interest Margin 0.38% below tier average
- Delinquency Rate 0.06% above tier average

Get updates when West Union Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WV)	National Avg	Tier Percentile
Total Assets ?	$303.3M +1.7% YoY +0.8% QoQ	-$82.8M	$386.1M +0.5% YoY	$1.2B +2.9% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$145.8M +10.7% YoY +0.4% QoQ	-$109.9M	$255.7M +1.1% YoY	$864.0M +4.3% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$275.1M +0.1% YoY +1.4% QoQ	-$52.9M	$328.0M +0.1% YoY	$1.0B +3.7% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	1.05% +13.0% YoY +6.8% QoQ	-0.22%	1.27% +12.9% YoY	0.95% +29.1% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	3.55% +9.0% YoY +5.2% QoQ	-0.38%	3.93% +6.0% YoY	3.79% +9.5% YoY	3.89% +5.7% YoY	33%
Efficiency Ratio ?	59.34% -14.3% YoY -11.7% QoQ	-5.95%	65.29% -4.5% YoY	70.57% -7.5% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.95% +651.0% YoY +723.0% QoQ	+0.06%	0.89% +18.8% YoY	0.74% +24.2% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	52.99% +10.6% YoY -1.0% QoQ	-23.65%	76.64% +0.8% YoY	78.35% +1.2% YoY	76.70% +0.9% YoY	Top 12.0% in tier
Non-Interest-Bearing Deposit Share ?	34.05% -1.4% YoY -0.7% QoQ	+12.03%	22.02% -1.0% YoY	26.63% -0.0% YoY	22.01% -1.2% YoY	Top 11.3% in tier
Nonperforming Asset Ratio ?	0.45% +717.7% YoY +719.6% QoQ	-0.18%	0.64% +19.7% YoY	0.57% +21.1% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	14.17% +0.4% YoY +1.5% QoQ	-1.66%	15.83% +1.5% YoY	14.22% +0.9% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.10% +12.4% YoY -79.7% QoQ	-0.18%	0.28% +9.3% YoY	0.14% -2.1% YoY	0.32% +4.1% YoY	51%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

301

Non-Interest-Bearing Deposit Share

funding

Value: 34.05%

Peer Median: 22.02%

#301 of 2664 Top 11.3% in $100M-$1B

320

Loan-to-Deposit Ratio

liquidity

Value: 52.99%

Peer Median: 76.64%

#320 of 2664 Top 12.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available