BlastPoint's Credit Union Scorecard
WESTREET
Charter #24812 · OK
WESTREET has 2 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does OK stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 4.5% in tier
- + Total Assets: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 22.0% in tier
- - Indirect Auto Dependency: Bottom 74.3% in tier
- - Shrinking Wallet Share: Bottom 92.6% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 10.56% above tier (higher cost structure)
- - Delinquency rate 1.97% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - AMR Growth Rate: Bottom 7.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 111 credit unions with $750M-$1B in assets nationally, and 1 of 4 that size in Oklahoma.
- Shares and deposits +1.8% year over year ($868M in shares and deposits).
- Membership: 61,218 members, +2.7% vs a year ago.
- Delinquency rate 2.77%.
- Return on assets 0.17%.
- Efficiency ratio 85.09% vs a 74.54% peer average.
- Loan-to-share ratio 84.42% vs a 82.60% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,218
+2.7% YoY+0.5% QoQ
|
+8.7K |
52,482
+1.3% YoY
|
28,343
+3.0% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$966.8M
+1.4% YoY-0.1% QoQ
|
+$102.9M |
$863.9M
+0.5% YoY
|
$422.2M
+5.5% YoY
|
$593.1M
+10.2% YoY
|
Top 8.1% in tier |
| Loans |
$733.1M
-2.4% YoY+0.3% QoQ
|
+$125.3M |
$607.8M
+2.1% YoY
|
$261.4M
+3.6% YoY
|
$418.6M
+10.1% YoY
|
Top 11.7% in tier |
| Deposits |
$868.4M
+1.8% YoY+0.3% QoQ
|
+$128.5M |
$739.9M
+0.2% YoY
|
$356.1M
+5.9% YoY
|
$504.8M
+10.3% YoY
|
Top 5.4% in tier |
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| ROA |
0.2%
-418.7% YoY-37.9% QoQ
|
-0.7% |
0.8%
+30.4% YoY
|
0.8%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.4% in tier |
| NIM |
3.4%
+6.2% YoY+0.6% QoQ
|
-0.1% |
3.5%
+6.2% YoY
|
4.0%
+2.7% YoY
|
3.8%
+2.3% YoY
|
44% |
| Efficiency Ratio |
85.1%
-4.6% YoY-0.5% QoQ
|
+10.6% |
74.5%
-1.4% YoY
|
80.0%
+0.4% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
2.8%
-13.8% YoY+101.9% QoQ
|
+2.0 |
0.8%
+1.0% YoY
|
0.9%
-29.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.8% in tier |
| Loan To Share |
84.4%
-4.2% YoY+0.0% QoQ
|
+1.8% |
82.6%
+1.9% YoY
|
69.7%
-2.0% YoY
|
66.4%
-1.4% YoY
|
48% |
| AMR |
$26,161
-2.8% YoY-0.2% QoQ
|
$-3K |
$28,702
+0.4% YoY
|
$18,336
+3.3% YoY
|
$20,028
-0.9% YoY
|
50% |
| CD Concentration |
33.6%
+2.8% YoY-3.9% QoQ
|
+9.1% | 24.6% | 22.8% | 20.0% | 81% |
| Indirect Auto % |
15.7%
-2.4% YoY-1.0% QoQ
|
+2.1% | 13.6% | 14.2% | 7.7% | 65% |
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)