BlastPoint's Credit Union Scorecard
WESTREET
Charter #24812 · OK
WESTREET has 2 strengths but faces 8 concerns
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How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 5.1% in tier
- + Total Loans: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 25.9% in tier
- - Indirect Auto Dependency: Bottom 79.2% in tier
- - Shrinking Wallet Share: Bottom 94.3% in tier
- - ROA 0.49% below tier average
- - Efficiency ratio 9.96% above tier (higher cost structure)
- - Delinquency rate 0.69% above tier average
- - AMR Growth Rate: Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,922
+5.0% YoY+0.4% QoQ
|
+9.4K |
51,500
+0.7% YoY
|
27,625
+2.9% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$968.1M
+0.6% YoY+1.0% QoQ
|
+$102.4M |
$865.6M
+0.9% YoY
|
$413.6M
+5.6% YoY
|
$578.3M
+9.0% YoY
|
Top 11.1% in tier |
| Loans |
$730.8M
+0.9% YoY-1.3% QoQ
|
+$135.6M |
$595.3M
+1.6% YoY
|
$253.0M
+3.1% YoY
|
$402.4M
+8.7% YoY
|
Top 10.3% in tier |
| Deposits |
$865.9M
+0.5% YoY+1.3% QoQ
|
+$123.7M |
$742.2M
+0.6% YoY
|
$348.7M
+5.1% YoY
|
$494.3M
+9.1% YoY
|
Top 6.0% in tier |
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| ROA |
0.3%
-288.2% YoY+53.9% QoQ
|
-0.5% |
0.8%
+45.0% YoY
|
0.3%
+194.5% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
3.4%
+11.5% YoY-0.5% QoQ
|
+0.0% |
3.5%
+6.1% YoY
|
3.9%
+1.6% YoY
|
3.8%
+4.1% YoY
|
46% |
| Efficiency Ratio |
85.5%
-8.3% YoY+2.8% QoQ
|
+10.0% |
75.5%
-3.4% YoY
|
85.0%
-0.4% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
1.4%
-52.9% YoY-48.4% QoQ
|
+0.7 |
0.7%
-0.1% YoY
|
1.0%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.4% in tier |
| Loan To Share |
84.4%
+0.4% YoY-2.6% QoQ
|
+3.8% |
80.6%
+0.7% YoY
|
68.5%
-1.8% YoY
|
65.6%
-1.4% YoY
|
50% |
| AMR |
$26,209
-4.1% YoY-0.3% QoQ
|
$-3K |
$28,908
+0.7% YoY
|
$18,267
+3.9% YoY
|
$19,920
+1.6% YoY
|
50% |
| CD Concentration |
35.0%
+8.6% YoY-0.0% QoQ
|
+10.7% | 24.3% | 22.8% | 19.8% | Top 14.5% in tier |
| Indirect Auto % |
15.9%
-1.1% YoY-1.4% QoQ
|
+2.1% | 13.8% | 14.5% | 7.7% | 64% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)