BlastPoint's Credit Union Scorecard

WESTREET

Charter #24812 · OK

Community 750M-1B

112 CUs in 750M-1B nationally 3 in OK

View Community leaderboard →

WESTREET has 6 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

OK Analysis

How does OK stack up?

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
- Credit Risk Growth: Bottom 12.7% in tier
- Efficiency Drag: Bottom 27.3% in tier
- Indirect Auto Dependency: Bottom 32.5% in tier
- Deposit Outflow: Bottom 51.2% 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	72%
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

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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	16%
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	47%
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	83%
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	52%
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	50%
CD Concentration	33.9% +7.4% YoY+3.6% QoQ	+9.4%	24.4% +4.2% YoY	23.2% +1.7% YoY	19.6% +6.2% YoY	82%
Indirect Auto %	16.4% +2.5% YoY+1.7% QoQ	+2.4%	14.0% -5.7% YoY	15.2% -17.2% YoY	7.9% -2.9% YoY	64%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#101 of 430 • Top 7.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.46%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 16.39%

(Tier: 13.97%, National: 7.90%)

but worse than tier avg

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: 13.97%, National: 7.90%)

but worse than tier avg

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

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

Credit Risk Growth

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: 3.65%, 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

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

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: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 4.46%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

768 nationally

↓ Shrinking -18 CUs YoY

Deposit Outflow

decline

#42 of 81 • Bottom 51.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money 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

Member Growth (YoY): 4.46%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

81 of 281 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (4 metrics)

Total Loans

balance_sheet

Value: $750.54M

Peer Avg: -

#7 of 112 Top 5.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $967.75M

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Total Deposits

balance_sheet

Value: $858.34M

Peer Avg: -

#8 of 112 Top 6.2% in 750M-1B tier

Member Growth Rate

growth

Value: 4.46%

Peer Avg: -

#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: -

#111 of 112 Bottom 1.8% in 750M-1B tier

106

AMR Growth Rate

growth

Value: -3.86%

Peer Avg: -

#106 of 112 Bottom 6.2% in 750M-1B tier

104

Deposit Growth Rate

growth

Value: -0.88%

Peer Avg: -

#104 of 112 Bottom 8.0% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 257.833

Peer Avg: -

#97 of 112 Bottom 14.3% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Efficiency Ratio

profitability

Value: 83.89%

Peer Avg: -

#94 of 112 Bottom 17.0% in 750M-1B tier

Asset Growth Rate

growth

Value: -0.48%

Peer Avg: -

#92 of 112 Bottom 18.8% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 33.86%

Peer Avg: -

#85 of 112 Bottom 25.0% in 750M-1B tier