WESTREET

Charter #24812 | OK

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in OK

WESTREET has 6 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 7.6% in tier
  • + Organic Growth Engine: Top 24.2% in tier
  • + Net Interest Margin 0.02% above tier average
  • + Total Loans: Top 5.4% in tier
  • + Total Assets: Top 6.2% in tier
  • + Total Deposits: Top 6.2% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.9% in tier
  • - Shrinking Wallet Share: Bottom 8.7% in tier
  • - Deposit Outflow: Bottom 10.0% in tier
  • - Growth-at-Risk: Bottom 12.7% in tier
  • - Efficiency Drag: Bottom 27.3% in tier
  • - Indirect Auto Dependency: Bottom 32.5% in tier
  • - ROA 0.52% below tier average
  • - Efficiency ratio 9.37% above tier (higher cost structure)
  • - Delinquency rate 1.93% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
  • - AMR Growth Rate: Bottom 6.2% in tier
  • - Deposit Growth Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 60,333
+4.5% YoY+1.2% QoQ
 +8.2K 52,114
-2.1% YoY
 27,533
+2.7% YoY
 33,089
+6.1% YoY
 72nd in tier
Assets $967.7M
-0.5% YoY+1.5% QoQ
 +$108.7M $859.0M
+0.0% YoY
 $405.5M
+5.4% YoY
 $547.7M
+7.8% YoY
 Top 7.1% in tier
Loans $750.5M
+2.0% YoY-0.1% QoQ
 +$147.2M $603.4M
+1.0% YoY
 $252.8M
+1.3% YoY
 $388.7M
+8.6% YoY
 Top 6.2% in tier
Deposits $858.3M
-0.9% YoY+0.6% QoQ
 +$124.2M $734.2M
+0.9% YoY
 $336.4M
+4.6% YoY
 $464.6M
+9.3% YoY
 Top 7.1% in tier
ROA 0.2%
-129.3% YoY-462.0% QoQ
 -0.5% 0.7%
+27.6% YoY
 0.6%
+31.7% YoY
 0.7%
+273.4% YoY
 Bottom 16.1% in tier
NIM 3.4%
+12.9% YoY+5.0% QoQ
 +0.0% 3.4%
+9.6% YoY
 3.9%
+3.8% YoY
 3.7%
+5.0% YoY
 47th in tier
Efficiency Ratio 83.9%
-21.6% YoY-6.0% QoQ
 +9.4% 74.5%
-3.2% YoY
 79.2%
-1.1% YoY
 79.1%
-3.3% YoY
 Top 17.0% in tier
Delinquency Rate 2.7%
+54.4% YoY-14.4% QoQ
 +1.9 0.8%
+5.0% YoY
 1.1%
-4.2% YoY
 1.2%
-0.9% YoY
 Top 1.8% in tier
Loan To Share 87.4%
+2.9% YoY-0.8% QoQ
 +4.8% 82.7%
+0.1% YoY
 71.1%
-2.1% YoY
 68.0%
-1.7% YoY
 52nd in tier
AMR $26,667
-3.9% YoY-0.9% QoQ
 $-2K $28,651
+2.5% YoY
 $17,893
+3.6% YoY
 $19,418
+1.3% YoY
 50th in tier
CD Concentration 33.9%
+7.4% YoY+3.6% QoQ
 +9.5% 24.4%
+4.2% YoY
 23.2%
+1.7% YoY
 19.6%
+6.2% YoY
 Top 18.5% in tier
Indirect Auto % 16.4%
+2.5% YoY+1.7% QoQ
 +2.4% 14.0%
-5.8% YoY
 15.2%
-17.2% YoY
 7.9%
-2.9% YoY
 64th in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#101 of 430 • Top 7.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank improving

Organic Growth Engine

growth
#444 of 603 • Top 24.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.19%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 16.39%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk
#49 of 736 • Bottom 1.9% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.97% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#88 of 244 • Bottom 8.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.86%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 281 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Deposit Outflow

decline
#60 of 114 • Bottom 10.0% in tier

Members staying but deposits leaving. They're losing to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -0.88%
(Tier: 4.79%, National: 12.00%)
worse than tier avg
Total Assets: $967.75M
(Tier: $859.01M, National: $547.69M)
but better than tier avg
114 of 281 Community CUs have this signature | 143 nationally
↓ Shrinking -169 CUs YoY | New qualifier

Growth-at-Risk

risk
#191 of 446 • Bottom 12.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 1.97%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.97% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY

Efficiency Drag

risk
#483 of 521 • Bottom 27.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 83.89%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.85% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Indirect Auto Dependency

risk
#523 of 525 • Bottom 32.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): -0.48%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 16.39%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 4.46%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 281 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY

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)

Comparing against 112 peers in tier

Top Strengths (4 metrics)

7
Total Loans
balance_sheet
Value: $750.54M
Peer Avg: $603.36M
#7 of 112 Top 5.4% in 750M-1B tier
8
Total Assets
balance_sheet
Value: $967.75M
Peer Avg: $859.01M
#8 of 112 Top 6.2% in 750M-1B tier
8
Total Deposits
balance_sheet
Value: $858.34M
Peer Avg: $734.17M
#8 of 112 Top 6.2% in 750M-1B tier
17
Member Growth Rate
growth
Value: 4.46%
Peer Avg: 1.14%
#17 of 112 Top 14.3% in 750M-1B tier

Top Weaknesses (8 metrics)

111
Total Delinquency Rate (60+ days)
risk
Value: 2.75%
Peer Avg: 0.82%
#111 of 112 Bottom 1.8% in 750M-1B tier
106
AMR Growth Rate
growth
Value: -3.86%
Peer Avg: 4.90%
#106 of 112 Bottom 6.2% in 750M-1B tier
104
Deposit Growth Rate
growth
Value: -0.88%
Peer Avg: 5.03%
#104 of 112 Bottom 8.0% in 750M-1B tier
97
Members Per Employee (MPE)
engagement
Value: 257.833
Peer Avg: 361.634
#97 of 112 Bottom 14.3% in 750M-1B tier
94
Return on Assets (ROA)
profitability
Value: 0.19%
Peer Avg: 0.71%
#94 of 112 Bottom 17.0% in 750M-1B tier
94
Efficiency Ratio
profitability
Value: 83.89%
Peer Avg: 74.52%
#94 of 112 Bottom 17.0% in 750M-1B tier
92
Asset Growth Rate
growth
Value: -0.48%
Peer Avg: 4.25%
#92 of 112 Bottom 18.8% in 750M-1B tier
85
Share Certificate Concentration (%)
balance_sheet
Value: 33.86%
Peer Avg: 28.34%
#85 of 112 Bottom 25.0% in 750M-1B tier