BlastPoint's Credit Union Scorecard

WESTMINSTER

Charter #13842 · CO

2556 CUs in <100M nationally 29 in CO

WESTMINSTER faces 4 concerns requiring attention

National Analysis

How does the industry compare?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.34% below tier average
- Efficiency ratio 4.29% above tier (higher cost structure)
- Member decline: -5.6% YoY
- Indirect Auto Concentration (%): Bottom 6.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	3,086 -5.6% YoY-2.1% QoQ	+470	2,615 -1.9% YoY	37,842 +7.2% YoY	33,374 +5.7% YoY	68%
Assets	$51.0M -2.7% YoY-1.6% QoQ	+$20.9M	$30.1M +2.1% YoY	$688.6M +9.4% YoY	$561.6M +9.7% YoY	78%
Loans	$27.3M +0.1% YoY-3.4% QoQ	+$11.5M	$15.8M -1.3% YoY	$531.4M +7.9% YoY	$397.0M +8.8% YoY	79%
Deposits	$45.1M -4.6% YoY-2.9% QoQ	+$19.5M	$25.7M +1.4% YoY	$583.2M +9.5% YoY	$477.3M +9.7% YoY	79%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -35.0% YoY+17.1% QoQ	-0.3%	0.6% +10.8% YoY	0.4% -10.6% YoY	0.7% +15.9% YoY	29%
NIM	3.2% +8.2% YoY+5.3% QoQ	-0.8%	4.0% +4.0% YoY	3.5% +1.6% YoY	3.8% +5.1% YoY	23%
Efficiency Ratio	86.8% +1.6% YoY-0.7% QoQ	+4.3%	82.6% -2.3% YoY	82.6% +1.3% YoY	79.7% -3.3% YoY	68%
Delinquency Rate	0.2% -56.2% YoY-91.1% QoQ	-1.3	1.6% -3.1% YoY	1.0% +15.7% YoY	1.3% -2.1% YoY	27%
Loan To Share	60.4% +4.9% YoY-0.6% QoQ	-0.2%	60.6% -3.1% YoY	72.0% -2.4% YoY	67.4% -1.7% YoY	49%
AMR	$23,467 +2.9% YoY-1.0% QoQ	+$9K	$14,783 -1.4% YoY	$23,202 +4.3% YoY	$19,687 +2.0% YoY	Top 11.0% in tier
CD Concentration	25.5% -14.4% YoY-7.2% QoQ	+1.0%	24.4%	26.2%	19.8%	50%
Indirect Auto %	16.3% -21.9% YoY-7.5% QoQ	+2.5%	13.8%	12.2%	7.8%	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 2556 peers in tier

Top Strengths (7 metrics)

282

Average Member Relationship (AMR)

engagement

Value: $23,467

Peer Median: -

#282 of 2556 Top 11.0% in <100M tier

330

Loan-to-Member Ratio (LMR)

engagement

Value: $8,839

Peer Median: -

#330 of 2556 Top 12.9% in <100M tier

526

Total Loans

balance_sheet

Value: $27.28M

Peer Median: -

#526 of 2556 Top 20.5% in <100M tier

543

Total Deposits

balance_sheet

Value: $45.14M

Peer Median: -

#543 of 2556 Top 21.2% in <100M tier

559

Members Per Employee (MPE)

engagement

Value: 440.857

Peer Median: -

#559 of 2556 Top 21.8% in <100M tier

570

Total Assets

balance_sheet

Value: $51.00M

Peer Median: -

#570 of 2556 Top 22.3% in <100M tier

640

Fee Income Per Member

profitability

Value: $120.17

Peer Median: -

#640 of 2556 Top 25.0% in <100M tier

Top Weaknesses (8 metrics)

2387

Indirect Auto Concentration (%)

balance_sheet

Value: 16.29%

Peer Median: -

#2387 of 2556 Bottom 6.7% in <100M tier

2190

Member Growth Rate

growth

Value: -5.60%

Peer Median: -

#2190 of 2556 Bottom 14.4% in <100M tier

2125

First Mortgage Concentration (%)

balance_sheet

Value: 34.15%

Peer Median: -

#2125 of 2556 Bottom 16.9% in <100M tier

2123

Net Worth Ratio

risk

Value: 10.06%

Peer Median: -

#2123 of 2556 Bottom 17.0% in <100M tier

2064

Deposit Growth Rate

growth

Value: -4.58%

Peer Median: -

#2064 of 2556 Bottom 19.3% in <100M tier

1975

Asset Growth Rate

growth

Value: -2.71%

Peer Median: -

#1975 of 2556 Bottom 22.8% in <100M tier

1962

Net Interest Margin (NIM)

profitability

Value: 3.16%

Peer Median: -

#1962 of 2556 Bottom 23.3% in <100M tier

1938

Share Certificate Concentration (%)

balance_sheet

Value: 25.45%

Peer Median: -

#1938 of 2556 Bottom 24.2% in <100M tier