BlastPoint's Credit Union Scorecard
WYMAR
Charter #12330 · LA
WYMAR has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.60% above tier average
- + Loan-to-Member Ratio (LMR): Top 2.7% in tier
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Efficiency Ratio: Top 9.4% in tier
- + Net Worth Ratio: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Delinquency rate 0.48% above tier average
- - Total Members: Bottom 4.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,133
+0.8% YoY+0.1% QoQ
|
-10.0K |
15,145
-2.5% YoY
|
9,512
+2.6% YoY
|
33,913
+5.7% YoY
|
Bottom 4.2% in tier |
| Assets |
$164.7M
+3.5% YoY+2.1% QoQ
|
$-67.1M |
$231.7M
+0.8% YoY
|
$128.1M
+5.9% YoY
|
$578.3M
+9.0% YoY
|
37% |
| Loans |
$110.8M
-1.9% YoY-1.4% QoQ
|
$-33.3M |
$144.1M
+0.2% YoY
|
$89.6M
+5.7% YoY
|
$402.4M
+8.7% YoY
|
44% |
| Deposits |
$138.5M
+3.0% YoY+2.3% QoQ
|
$-62.7M |
$201.1M
+0.4% YoY
|
$109.6M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
35% |
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| ROA |
1.3%
+32.1% YoY+54.3% QoQ
|
+0.6% |
0.7%
+5.1% YoY
|
0.1%
-79.1% YoY
|
0.4%
-39.2% YoY
|
84% |
| NIM |
3.2%
+2.7% YoY+2.1% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
4.2%
-0.4% YoY
|
3.8%
+4.1% YoY
|
23% |
| Efficiency Ratio |
60.9%
-7.3% YoY-9.0% QoQ
|
-17.2% |
78.0%
-1.7% YoY
|
88.0%
+2.9% YoY
|
84.6%
+2.8% YoY
|
Top 9.4% in tier |
| Delinquency Rate |
1.3%
+148.3% YoY+16.6% QoQ
|
+0.5 |
0.8%
+7.1% YoY
|
1.7%
-21.7% YoY
|
1.2%
+3.4% YoY
|
85% |
| Loan To Share |
80.1%
-4.7% YoY-3.6% QoQ
|
+9.6% |
70.4%
-0.4% YoY
|
68.2%
-2.4% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$48,568
-0.1% YoY+0.5% QoQ
|
+$24K |
$24,918
+2.7% YoY
|
$13,483
+2.5% YoY
|
$19,920
+1.6% YoY
|
Top 3.1% in tier |
| CD Concentration |
34.8%
+1.8% YoY-3.6% QoQ
|
+10.6% | 24.3% | 14.9% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 50% |
Signature Analysis
Strengths (2)
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 (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)