BlastPoint's Credit Union Scorecard
W T COMMUNITY
Charter #10859 · OH
W T COMMUNITY has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.30% above tier average
- + Strong member growth: 18.4% YoY
- + Member Growth Rate: Top 2.4% in tier
Key Concerns
Areas that may need attention
- - ROA 1.32% below tier average
- - Efficiency ratio 17.04% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 1.1% in tier
- - Asset Growth Rate: Bottom 4.4% in tier
- - Deposit Growth Rate: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 9.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits -11.7% year over year ($4.1M in shares and deposits).
- Membership: 734 members, +18.4% vs a year ago.
- Delinquency rate 0.09%.
- Return on assets 0.18%.
- Efficiency ratio 105.81% vs a 88.77% peer average.
- Loan-to-share ratio 57.70% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
734
+18.4% YoY+0.4% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$4.6M
-10.8% YoY+4.5% QoQ
|
$-25.7M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$2.4M
-16.4% YoY-9.0% QoQ
|
$-13.1M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
20% |
| Deposits |
$4.1M
-11.7% YoY+2.4% QoQ
|
$-21.7M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
19% |
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| ROA |
0.2%
-74.1% YoY-137.8% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
Bottom 11.2% in tier |
| NIM |
5.2%
+12.4% YoY-2.0% QoQ
|
+1.3% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
Top 9.1% in tier |
| Efficiency Ratio |
105.8%
-4.4% YoY+6.0% QoQ
|
+17.0% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
Bottom 10.0% in tier |
| Delinquency Rate |
0.1%
-40.8% QoQ
|
-1.5 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
20% |
| Loan To Share |
57.7%
-5.4% YoY-11.2% QoQ
|
-1.2% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$8,787
-26.9% YoY-2.5% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
22% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)