BlastPoint's Credit Union Scorecard
OLD WEST
Charter #12012 · OR
OLD WEST has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 50.0% in tier
- + Relationship Depth Leader: Top 50.0% in tier
- + Organic Growth Engine: Top 50.0% in tier
- + Net Interest Margin 0.19% above tier average
- + Net Charge-Off Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - ROA 0.50% below tier average
- - Efficiency ratio 16.70% above tier (higher cost structure)
- - Delinquency rate 0.92% above tier average
- - Members Per Employee (MPE): Bottom 1.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,720
+2.3% YoY+1.9% QoQ
|
+574 |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
61% |
| Assets |
$320.5M
+8.3% YoY+2.3% QoQ
|
+$88.8M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$194.5M
+3.0% YoY-0.2% QoQ
|
+$50.3M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$280.9M
+8.6% YoY+2.8% QoQ
|
+$79.7M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
0.2%
-58.7% YoY-60.5% QoQ
|
-0.5% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
18% |
| NIM |
3.8%
-4.2% YoY-3.4% QoQ
|
+0.2% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
65% |
| Efficiency Ratio |
94.7%
+7.9% YoY+9.5% QoQ
|
+16.7% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate |
1.7%
+40.8% YoY-29.5% QoQ
|
+0.9 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.6% in tier |
| Loan To Share |
69.2%
-5.2% YoY-2.9% QoQ
|
-1.2% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
44% |
| AMR |
$30,238
+3.8% YoY-0.3% QoQ
|
+$5K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
82% |
| CD Concentration |
15.2%
+50.6% YoY+12.7% QoQ
|
-9.1% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)