BlastPoint's Credit Union Scorecard
WESTMINSTER
Charter #13842 · CO
WESTMINSTER faces 5 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 0.44% below tier average
- - Efficiency ratio 6.10% above tier (higher cost structure)
- - Delinquency rate 0.89% above tier average
- - Member decline: -5.5% YoY
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,151
-5.5% YoY-1.3% QoQ
|
+525 |
2,625
-2.2% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
69% |
| Assets |
$51.8M
-1.0% YoY-2.3% QoQ
|
+$22.0M |
$29.9M
+1.1% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
78% |
| Loans |
$28.2M
+4.0% YoY-0.5% QoQ
|
+$12.5M |
$15.8M
-2.4% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
80% |
| Deposits |
$46.5M
-1.6% YoY-2.9% QoQ
|
+$21.0M |
$25.5M
+0.4% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
80% |
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| ROA |
0.2%
-60.8% YoY-21.2% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
26% |
| NIM |
3.0%
-1.3% YoY+5.6% QoQ
|
-0.9% |
3.9%
+3.8% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
18% |
| Efficiency Ratio |
87.5%
+8.6% YoY+5.4% QoQ
|
+6.1% |
81.4%
-2.4% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
2.4%
+254.7% YoY+38.1% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
84% |
| Loan To Share |
60.8%
+5.7% YoY+2.5% QoQ
|
-0.5% |
61.2%
-3.0% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
49% |
| AMR |
$23,715
+6.3% YoY-0.8% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
Top 10.6% in tier |
| CD Concentration |
27.4%
-2.2% YoY-8.4% QoQ
|
+3.0% |
24.4%
+4.2% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
17.6%
-21.4% YoY-6.5% QoQ
|
+3.6% |
14.0%
-5.7% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)