BlastPoint's Credit Union Scorecard
OLD WEST
Charter #12012 · OR
OLD WEST has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 25.0% in tier
- + Organic Growth Leader: Top 26.3% in tier
- + Relationship Depth Leader: Top 74.6% in tier
- + Net Interest Margin 0.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 7.7% in tier
- - ROA 0.17% below tier average
- - Efficiency ratio 8.99% above tier (higher cost structure)
- - Delinquency rate 0.46% above tier average
- - Members Per Employee (MPE): Bottom 1.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,443
+1.2% YoY-0.1% QoQ
|
-185 |
15,628
-3.4% YoY
|
48,799
+9.4% YoY
|
33,089
+6.1% YoY
|
59% |
| Assets |
$304.1M
+7.1% YoY+2.5% QoQ
|
+$72.8M |
$231.3M
-0.0% YoY
|
$801.2M
+7.5% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$191.8M
-0.2% YoY-1.4% QoQ
|
+$44.0M |
$147.8M
-1.4% YoY
|
$546.0M
+10.9% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$265.2M
+7.3% YoY+2.7% QoQ
|
+$64.9M |
$200.3M
-0.0% YoY
|
$683.7M
+7.5% YoY
|
$464.6M
+9.3% YoY
|
74% |
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| ROA |
0.6%
+26.4% YoY+0.4% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.7%
+15.2% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
4.0%
-4.0% YoY+0.2% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.9%
+7.2% YoY
|
3.7%
+5.0% YoY
|
75% |
| Efficiency Ratio |
86.3%
-3.9% YoY-0.6% QoQ
|
+9.0% |
77.3%
-3.0% YoY
|
76.2%
-3.6% YoY
|
79.1%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.3%
-23.9% YoY-21.1% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
0.9%
-6.6% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
72.3%
-7.0% YoY-4.0% QoQ
|
-0.4% |
72.7%
-1.5% YoY
|
76.2%
+0.8% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$29,592
+2.8% YoY+1.0% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$25,038
+0.5% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
12.0%
+39.4% YoY+4.8% QoQ
|
-12.4% |
24.4%
+4.2% YoY
|
16.6%
+1.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
13.9%
-0.5% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)