BlastPoint's Credit Union Scorecard
W T COMMUNITY
Charter #10859 · OH
W T COMMUNITY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.19% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 26.36% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 3.1% in tier
- - Asset Growth Rate: Bottom 3.9% in tier
- - Members Per Employee (MPE): Bottom 6.3% in tier
- - AMR Growth Rate: Bottom 6.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
618
-0.8% YoY-0.6% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$4.8M
-10.6% YoY-2.7% QoQ
|
$-25.4M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
18% |
| Loans |
$2.7M
-5.0% YoY-2.7% QoQ
|
$-13.1M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
22% |
| Deposits |
$4.2M
-14.0% YoY-5.0% QoQ
|
$-21.5M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
20% |
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| ROA |
-0.4%
-74.8% YoY-160.6% QoQ
|
-1.0% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.1% in tier |
| NIM |
5.1%
+9.9% YoY+4.4% QoQ
|
+1.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 11.5% in tier |
| Efficiency Ratio |
108.9%
+20.7% YoY+3.7% QoQ
|
+26.4% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.8% in tier |
| Delinquency Rate | 0.1% | -1.5 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
63.4%
+10.5% YoY+2.4% QoQ
|
+2.8% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$11,067
-10.0% YoY-3.5% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 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)