BlastPoint's Credit Union Scorecard
WESTEX
Charter #5373 · TX
WESTEX has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 4.3% in tier
- + Total Assets: Top 5.4% in tier
- + Total Members: Top 6.1% in tier
- + Deposit Growth Rate: Top 6.9% in tier
- + Asset Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 6.85% above tier (higher cost structure)
- - Delinquency rate 0.38% above tier average
- - Member decline: -3.6% YoY
- - Loan-to-Share Ratio: Bottom 8.6% in tier
- - Loan Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,788
-3.6% YoY-0.0% QoQ
|
+4.2K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Top 6.2% in tier |
| Assets |
$86.2M
+11.3% YoY+1.1% QoQ
|
+$56.0M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Top 5.5% in tier |
| Loans |
$21.6M
-16.0% YoY-3.3% QoQ
|
+$5.8M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$77.0M
+11.9% YoY+1.3% QoQ
|
+$51.4M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Top 4.3% in tier |
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| ROA |
0.3%
-18.5% YoY-16.6% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.3%
+3.4% YoY-0.3% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
89.4%
+1.7% YoY+1.3% QoQ
|
+6.8% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
1.9%
+27.6% YoY+3.5% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
78% |
| Loan To Share |
28.0%
-24.9% YoY-4.6% QoQ
|
-32.6% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
Bottom 8.5% in tier |
| AMR |
$14,531
+8.3% YoY+0.3% QoQ
|
$-252 |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
54% |
| CD Concentration |
20.1%
+44.3% YoY+4.3% QoQ
|
-4.3% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % |
1.5%
-35.4% YoY-15.6% QoQ
|
-12.3% | 13.8% | 7.1% | 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)