BlastPoint's Credit Union Scorecard
WYO CENTRAL
Charter #12354 · WY
WYO CENTRAL faces 8 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Efficiency ratio 20.86% above tier (higher cost structure)
- - Member decline: -4.5% YoY
- - AMR Growth Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Net Worth Ratio: Bottom 0.8% in tier
Core Metrics
As of 2024-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,253
-4.5% YoY-1.1% QoQ
|
+569 |
2,683
-1.2% YoY
|
20,287
+7.5% YoY
|
31,195
+5.6% YoY
|
69% |
| Assets |
$28.3M
-13.3% YoY-4.0% QoQ
|
$-1.3M |
$29.5M
+0.1% YoY
|
$297.1M
+5.7% YoY
|
$507.9M
+7.0% YoY
|
58% |
| Loans |
$15.8M
-7.5% YoY-7.4% QoQ
|
$-378K |
$16.1M
+0.3% YoY
|
$225.3M
+3.9% YoY
|
$358.1M
+5.9% YoY
|
62% |
| Deposits |
$25.4M
-15.7% YoY-4.4% QoQ
|
+$36K |
$25.4M
-0.8% YoY
|
$258.6M
+8.1% YoY
|
$425.3M
+6.5% YoY
|
60% |
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| ROA |
-1.3%
-41.6% YoY+164.6% QoQ
|
-1.2% |
-0.1%
-119.4% YoY
|
1.0%
+17.0% YoY
|
0.2%
-69.3% YoY
|
Bottom 5.0% in tier |
| NIM |
3.4%
+31.0% YoY+3.2% QoQ
|
-0.4% |
3.8%
+12.5% YoY
|
3.8%
+10.1% YoY
|
3.6%
+9.2% YoY
|
37% |
| Efficiency Ratio |
104.3%
-32.2% YoY+4.0% QoQ
|
+20.9% |
83.4%
-1.6% YoY
|
71.3%
-6.3% YoY
|
81.8%
-0.3% YoY
|
Bottom 10.5% in tier |
| Delinquency Rate |
0.3%
-79.5% YoY-83.5% QoQ
|
-1.3 |
1.5%
+12.6% YoY
|
1.2%
+47.0% YoY
|
1.2%
+14.8% YoY
|
31% |
| Loan To Share |
62.1%
+9.8% YoY-3.1% QoQ
|
-1.0% |
63.1%
+2.1% YoY
|
81.0%
-2.6% YoY
|
69.2%
+1.2% YoY
|
48% |
| AMR |
$12,654
-8.6% YoY-4.5% QoQ
|
$-2K |
$15,039
+4.8% YoY
|
$21,870
+0.0% YoY
|
$19,175
+3.6% YoY
|
45% |
| CD Concentration |
19.7%
-21.2% YoY-12.9% QoQ
|
-3.8% | 23.4% | 25.5% | 18.5% | 50% |
| Indirect Auto % |
17.3%
+20.3% YoY+1.5% QoQ
|
+2.5% | 14.8% | 19.4% | 8.1% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)