BlastPoint's Credit Union Scorecard
WESTAR
Charter #15386 · NY
WESTAR faces 4 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 0.10% below tier average
- - Efficiency ratio 3.17% above tier (higher cost structure)
- - Member decline: -6.3% YoY
- - Loan Growth Rate: Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,793
-6.3% YoY-2.3% QoQ
|
-822 |
2,615
-1.9% YoY
|
26,134
+5.1% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$33.2M
+0.4% YoY+2.4% QoQ
|
+$3.1M |
$30.1M
+2.1% YoY
|
$482.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$9.6M
-16.1% YoY-5.2% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$324.6M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$29.8M
-0.0% YoY+2.4% QoQ
|
+$4.1M |
$25.7M
+1.4% YoY
|
$411.3M
+7.7% YoY
|
$477.3M
+9.7% YoY
|
65% |
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| ROA |
0.5%
-757.4% YoY-9.5% QoQ
|
-0.1% |
0.6%
+10.8% YoY
|
0.7%
+147.7% YoY
|
0.7%
+15.9% YoY
|
41% |
| NIM |
3.5%
+11.1% YoY+1.9% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.6%
+4.1% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
85.7%
-7.8% YoY+3.3% QoQ
|
+3.2% |
82.6%
-2.3% YoY
|
80.7%
-3.4% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.5%
-67.7% YoY+902.5% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
1.6%
-19.7% YoY
|
1.3%
-2.1% YoY
|
42% |
| Loan To Share |
32.2%
-16.0% YoY-7.5% QoQ
|
-28.5% |
60.6%
-3.1% YoY
|
60.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.0% in tier |
| AMR |
$21,977
+1.9% YoY+2.8% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$19,178
-21.9% YoY
|
$19,687
+2.0% YoY
|
Top 14.8% in tier |
| CD Concentration |
14.6%
-7.2% YoY-2.7% QoQ
|
-9.9% | 24.4% | 16.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 7.8% | 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)