BlastPoint's Credit Union Scorecard

WYMAR

Charter #12330 · LA

1069 CUs in 100M-500M nationally 21 in LA

WYMAR has 7 strengths but faces 4 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 51.5% in tier
+ Organic Growth Leader: Top 73.4% in tier
+ Emerging Performer: Top 89.5% in tier
+ ROA 0.10% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 2.5% in tier
+ Average Member Relationship (AMR): Top 2.8% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.5% in tier
- Liquidity Overhang: Bottom 94.8% in tier
- Delinquency rate 0.18% above tier average
- Total Members: Bottom 3.6% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Members	5,127 +1.4% YoY-0.3% QoQ	-10.3K	15,437 -2.9% YoY	9,309 +1.0% YoY	33,374 +5.7% YoY	Bottom 3.5% in tier
Assets	$161.2M +5.9% YoY+0.6% QoQ	$-70.6M	$231.9M +1.3% YoY	$122.7M +4.8% YoY	$561.6M +9.7% YoY	35%
Loans	$112.4M -2.9% YoY-0.7% QoQ	$-35.0M	$147.3M -0.1% YoY	$87.2M +3.5% YoY	$397.0M +8.8% YoY	43%
Deposits	$135.3M +4.3% YoY+0.2% QoQ	$-65.5M	$200.8M +0.8% YoY	$104.9M +5.6% YoY	$477.3M +9.7% 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% -9.6% YoY-4.0% QoQ	+0.1%	0.8% +18.2% YoY	0.3% +12.6% YoY	0.7% +15.9% YoY	58%
NIM	3.1% +5.5% YoY+0.1% QoQ	-0.5%	3.6% +6.7% YoY	4.2% +2.9% YoY	3.8% +5.1% YoY	22%
Efficiency Ratio	66.9% -6.0% YoY+0.9% QoQ	-10.2%	77.0% -3.1% YoY	85.6% -13.2% YoY	79.7% -3.3% YoY	18%
Delinquency Rate	1.1% +101.8% YoY-26.5% QoQ	+0.2	0.9% +4.2% YoY	1.9% -8.2% YoY	1.3% -2.1% YoY	73%
Loan To Share	83.1% -6.9% YoY-0.9% QoQ	+10.8%	72.2% -1.1% YoY	71.2% -2.0% YoY	67.4% -1.7% YoY	71%
AMR	$48,306 -0.5% YoY+0.0% QoQ	+$24K	$24,676 +3.4% YoY	$13,375 +3.1% YoY	$19,687 +2.0% YoY	Top 2.9% in tier
CD Concentration	36.2% +7.1% YoY+0.2% QoQ	+11.7%	24.4%	15.2%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#307 of 595 • Top 51.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.42%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.86%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#313 of 426 • Top 73.4% in tier

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

Why This Signature

Member Growth (YoY): 1.42%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#163 of 182 • Top 89.5% 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: 0.86%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 1.42%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#110 of 705 • Bottom 15.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.54% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Liquidity Overhang

risk

#128 of 135 • Bottom 94.8% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.26%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 83.06%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 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 1069 peers in tier

Top Strengths (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,918

Peer Median: -

#28 of 1069 Top 2.5% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,306

Peer Median: -

#31 of 1069 Top 2.8% in 100M-500M tier

110

Net Worth Ratio

risk

Value: 16.26%

Peer Median: -

#110 of 1069 Top 10.2% in 100M-500M tier

193

Efficiency Ratio

profitability

Value: 66.86%

Peer Median: -

#193 of 1069 Top 18.0% in 100M-500M tier

Top Weaknesses (6 metrics)

1032

Total Members

engagement

Value: 5,127

Peer Median: -

#1032 of 1069 Bottom 3.6% in 100M-500M tier

939

Share Certificate Concentration (%)

balance_sheet

Value: 36.15%

Peer Median: -

#939 of 1069 Bottom 12.3% in 100M-500M tier

920

First Mortgage Concentration (%)

balance_sheet

Value: 49.85%

Peer Median: -

#920 of 1069 Bottom 14.0% in 100M-500M tier

898

AMR Growth Rate

growth

Value: -0.49%

Peer Median: -

#898 of 1069 Bottom 16.1% in 100M-500M tier

863

Loan Growth Rate

growth

Value: -2.88%

Peer Median: -

#863 of 1069 Bottom 19.4% in 100M-500M tier

833

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: -

#833 of 1069 Bottom 22.2% in 100M-500M tier