BlastPoint's Credit Union Scorecard

WYMAR

Charter #12330 · LA

1077 CUs in 100M-500M nationally 22 in LA

WYMAR has 7 strengths but faces 5 concerns

National Analysis

How does the industry compare?

LA Analysis

How does LA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 15.3% in tier
+ Organic Growth Leader: Top 20.8% in tier
+ Emerging Performer: Top 86.8% in tier
+ ROA 0.11% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 2.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 2.8% in tier
- Margin Compression: Bottom 29.6% in tier
- Liquidity Overhang: Bottom 94.7% in tier
- Delinquency rate 0.61% above tier average
- Total Members: Bottom 3.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	5,141 +1.8% YoY+0.4% QoQ	-10.5K	15,628 -3.4% YoY	9,352 +2.6% YoY	33,089 +6.1% YoY	Bottom 3.4% in tier
Assets	$160.2M +6.1% YoY+0.9% QoQ	$-71.1M	$231.3M -0.0% YoY	$121.4M +4.9% YoY	$547.7M +7.8% YoY	35%
Loans	$113.2M -1.5% YoY+1.6% QoQ	$-34.6M	$147.8M -1.4% YoY	$86.9M +5.1% YoY	$388.7M +8.6% YoY	43%
Deposits	$135.1M +5.8% YoY+1.0% QoQ	$-65.2M	$200.3M -0.0% YoY	$103.9M +6.5% YoY	$464.6M +9.3% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.9% -13.6% YoY+10.1% QoQ	+0.1%	0.8% +15.5% YoY	0.5% +1.1% YoY	0.7% +273.4% YoY	59%
NIM	3.1% +4.4% YoY+1.2% QoQ	-0.5%	3.6% +6.9% YoY	4.3% +3.2% YoY	3.7% +5.0% YoY	23%
Efficiency Ratio	66.3% -4.6% YoY-3.0% QoQ	-11.0%	77.3% -3.0% YoY	82.9% -3.6% YoY	79.1% -3.3% YoY	17%
Delinquency Rate	1.5% +127.8% YoY+204.5% QoQ	+0.6	0.9% +7.6% YoY	1.8% -12.2% YoY	1.2% -0.9% YoY	85%
Loan To Share	83.8% -6.9% YoY+0.6% QoQ	+11.1%	72.7% -1.5% YoY	70.9% -2.6% YoY	68.0% -1.7% YoY	72%
AMR	$48,285 +0.5% YoY+0.9% QoQ	+$24K	$24,363 +2.9% YoY	$13,297 +2.9% YoY	$19,418 +1.3% YoY	Top 2.7% in tier
CD Concentration	36.1% +8.7% YoY+3.4% QoQ	+11.7%	24.4% +4.2% YoY	15.0% +9.1% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.3% +10.6% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#281 of 603 • Top 15.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.84%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#275 of 430 • Top 20.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.84%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Emerging Performer

growth

#166 of 191 • Top 86.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 1.84%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Concerns (3)

Credit Quality Pressure

risk

#70 of 736 • Bottom 2.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.82% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Margin Compression

decline

#125 of 136 • Bottom 29.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 0.90%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.04%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.14% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Liquidity Overhang

risk

#127 of 134 • Bottom 94.7% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.16%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 83.79%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,285

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $22,013

Peer Avg: -

#29 of 1077 Top 2.6% in 100M-500M tier

115

Net Worth Ratio

risk

Value: 16.16%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

182

Efficiency Ratio

profitability

Value: 66.26%

Peer Avg: -

#182 of 1077 Top 16.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1040

Total Members

engagement

Value: 5,141

Peer Avg: -

#1040 of 1077 Bottom 3.5% in 100M-500M tier

939

Share Certificate Concentration (%)

balance_sheet

Value: 36.06%

Peer Avg: -

#939 of 1077 Bottom 12.9% in 100M-500M tier

928

First Mortgage Concentration (%)

balance_sheet

Value: 49.63%

Peer Avg: -

#928 of 1077 Bottom 13.9% in 100M-500M tier

913

Total Delinquency Rate (60+ days)

risk

Value: 1.47%

Peer Avg: -

#913 of 1077 Bottom 15.3% in 100M-500M tier

830

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Avg: -

#830 of 1077 Bottom 23.0% in 100M-500M tier