BlastPoint's Credit Union Scorecard

WESTMINSTER

Charter #13842 · CO

<100M

2508 CUs in <100M nationally 25 in CO

WESTMINSTER has 2 strengths but faces 2 concerns

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.17% above tier average
+ Average Member Relationship (AMR): Top 9.4% in tier

Key Concerns

Areas that may need attention

- Member decline: -6.5% YoY
- Indirect Auto Concentration (%): Bottom 6.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	3,027 -6.5% YoY-1.9% QoQ	+350	2,676 +1.6% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	68%
Assets	$53.4M -2.2% YoY+4.6% QoQ	+$23.2M	$30.2M +1.3% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	79%
Loans	$26.1M -9.5% YoY-4.5% QoQ	+$10.8M	$15.3M -2.0% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	79%
Deposits	$48.0M -3.1% YoY+6.2% QoQ	+$22.2M	$25.8M +0.7% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	80%

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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	0.3% -241.2% YoY+11.4% QoQ	+0.2%	0.1% -77.6% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	36%
NIM	3.1% +18.0% YoY-1.5% QoQ	-0.9%	4.0% +4.0% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	22%
Efficiency Ratio	89.1% -10.6% YoY+2.6% QoQ	-1.5%	90.6% +6.5% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.2% -25.4% YoY-17.8% QoQ	-1.3	1.5% +3.8% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	27%
Loan To Share	54.3% -6.6% YoY-10.1% QoQ	-4.2%	58.5% -3.0% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	44%
AMR	$24,452 +1.1% YoY+4.2% QoQ	+$10K	$14,884 -1.7% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	Top 9.4% in tier
CD Concentration	25.0% -18.0% YoY-1.8% QoQ	+0.7%	24.3%	26.7%	19.8%	50%
Indirect Auto %	14.8% -21.9% YoY-9.1% QoQ	+1.0%	13.8%	12.4%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (6 metrics)

237

Average Member Relationship (AMR)

engagement

Value: $24,452

Peer Median: $13,926

#237 of 2508 Top 9.4% in <100M tier

350

Loan-to-Member Ratio (LMR)

engagement

Value: $8,608

Peer Median: $4,923

#350 of 2508 Top 13.9% in <100M tier

488

Total Deposits

balance_sheet

Value: $47.96M

Peer Median: $18.77M

#488 of 2508 Top 19.4% in <100M tier

530

Total Assets

balance_sheet

Value: $53.36M

Peer Median: $21.86M

#530 of 2508 Top 21.1% in <100M tier

530

Total Loans

balance_sheet

Value: $26.06M

Peer Median: $9.48M

#530 of 2508 Top 21.1% in <100M tier

591

Members Per Employee (MPE)

engagement

Value: 432.429

Peer Median: 333.750

#591 of 2508 Top 23.5% in <100M tier

Top Weaknesses (7 metrics)

2338

Indirect Auto Concentration (%)

balance_sheet

Value: 14.80%

Peer Median: 0.00%

#2338 of 2508 Bottom 6.8% in <100M tier

2211

Member Growth Rate

growth

Value: -6.46%

Peer Median: -1.37%

#2211 of 2508 Bottom 11.9% in <100M tier

2133

Net Worth Ratio

risk

Value: 9.70%

Peer Median: 14.28%

#2133 of 2508 Bottom 15.0% in <100M tier

2094

First Mortgage Concentration (%)

balance_sheet

Value: 34.95%

Peer Median: 3.66%

#2094 of 2508 Bottom 16.5% in <100M tier

1967

Net Interest Margin (NIM)

profitability

Value: 3.11%

Peer Median: 3.83%

#1967 of 2508 Bottom 21.6% in <100M tier

1908

Loan Growth Rate

growth

Value: -9.48%

Peer Median: -2.36%

#1908 of 2508 Bottom 24.0% in <100M tier

1884

Share Certificate Concentration (%)

balance_sheet

Value: 24.98%

Peer Median: 12.45%

#1884 of 2508 Bottom 24.9% in <100M tier