BlastPoint's Credit Union Scorecard

WESTAR

Charter #15386 · NY

<100M

2508 CUs in <100M nationally 179 in NY

WESTAR has 1 strength but faces 4 concerns

National Analysis

How does the industry compare?

NY Analysis

How does NY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ AMR Growth Rate: Top 2.1% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 2.08% above tier (higher cost structure)
- Member decline: -22.8% YoY
- Member Growth Rate: Bottom 1.6% in tier
- Loan Growth Rate: Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NY)	National Avg	Tier Percentile
Members	1,751 -22.8% YoY-2.3% QoQ	-925	2,676 +1.6% YoY	27,572 +9.2% YoY	33,913 +5.7% YoY	46%
Assets	$33.2M +1.0% YoY-0.2% QoQ	+$3.0M	$30.2M +1.3% YoY	$497.6M +8.1% YoY	$578.3M +9.0% YoY	62%
Loans	$8.9M -18.0% YoY-7.1% QoQ	$-6.4M	$15.3M -2.0% YoY	$329.7M +7.8% YoY	$402.4M +8.7% YoY	48%
Deposits	$29.7M +0.7% YoY-0.4% QoQ	+$3.9M	$25.8M +0.7% YoY	$425.1M +7.9% YoY	$494.3M +9.1% YoY	64%

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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	0.1% -82.1% YoY-75.4% QoQ	+0.0%	0.1% -77.6% YoY	0.7% -43.8% YoY	0.4% -39.2% YoY	27%
NIM	3.7% +11.4% YoY+4.1% QoQ	-0.3%	4.0% +4.0% YoY	3.5% -2.6% YoY	3.8% +4.1% YoY	44%
Efficiency Ratio	92.7% +15.9% YoY+8.1% QoQ	+2.1%	90.6% +6.5% YoY	81.8% +0.3% YoY	84.6% +2.8% YoY	74%
Delinquency Rate	0.1% -95.3% YoY-84.8% QoQ	-1.4	1.5% +3.8% YoY	1.5% -10.1% YoY	1.2% +3.4% YoY	20%
Loan To Share	30.0% -18.5% YoY-6.7% QoQ	-28.5%	58.5% -3.0% YoY	58.9% -2.1% YoY	65.6% -1.4% YoY	Bottom 11.6% in tier
AMR	$22,054 +23.8% YoY+0.4% QoQ	+$7K	$14,884 -1.7% YoY	$19,395 -21.8% YoY	$19,920 +1.6% YoY	85%
CD Concentration	14.5% -2.3% YoY-0.1% QoQ	-9.7%	24.3%	16.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	2.6%	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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

AMR Growth Rate

growth

Value: 23.84%

Peer Median: 1.27%

#54 of 2508 Top 2.1% in <100M tier

383

Average Member Relationship (AMR)

engagement

Value: $22,054

Peer Median: $13,926

#383 of 2508 Top 15.2% in <100M tier

505

Total Delinquency Rate (60+ days)

risk

Value: 0.08%

Peer Median: 0.65%

#505 of 2508 Top 20.1% in <100M tier

Top Weaknesses (6 metrics)

2468

Member Growth Rate

growth

Value: -22.76%

Peer Median: -1.37%

#2468 of 2508 Bottom 1.6% in <100M tier

2302

Loan Growth Rate

growth

Value: -17.98%

Peer Median: -2.36%

#2302 of 2508 Bottom 8.3% in <100M tier

2216

Loan-to-Share Ratio

balance_sheet

Value: 29.99%

Peer Median: 58.72%

#2216 of 2508 Bottom 11.7% in <100M tier

2013

Net Worth Ratio

risk

Value: 10.37%

Peer Median: 14.28%

#2013 of 2508 Bottom 19.8% in <100M tier

1969

Net Charge-Off Rate

risk

Value: 0.65%

Peer Median: 0.07%

#1969 of 2508 Bottom 21.5% in <100M tier

1887

First Mortgage Concentration (%)

balance_sheet

Value: 26.08%

Peer Median: 3.66%

#1887 of 2508 Bottom 24.8% in <100M tier