BlastPoint's Credit Union Scorecard
WESTREET
Charter #24812 · OK
WESTREET has 5 strengths but faces 10 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
- + Organic Growth Leader: Top 23.5% in tier
- + Organic Growth Engine: Top 74.2% in tier
- + Net Interest Margin 0.04% above tier average
- + Total Deposits: Top 6.0% in tier
- + Total Loans: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 30.1% in tier
- - Shrinking Wallet Share: Bottom 44.0% in tier
- - Credit Risk Growth: Bottom 63.5% in tier
- - Efficiency Drag: Bottom 95.3% in tier
- - Indirect Auto Dependency: Bottom 99.6% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 8.81% above tier (higher cost structure)
- - Delinquency rate 1.78% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - AMR Growth Rate: Bottom 4.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
60,660
+4.5% YoY+0.5% QoQ
|
+8.6K |
52,084
-1.6% YoY
|
27,482
+2.5% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$958.5M
+1.2% YoY-1.0% QoQ
|
+$94.6M |
$863.9M
+0.5% YoY
|
$405.9M
+5.4% YoY
|
$561.6M
+9.7% YoY
|
85% |
| Loans |
$740.6M
+2.0% YoY-1.3% QoQ
|
+$134.8M |
$605.8M
+1.4% YoY
|
$252.1M
+2.0% YoY
|
$397.0M
+8.8% YoY
|
Top 7.7% in tier |
| Deposits |
$854.3M
+0.8% YoY-0.5% QoQ
|
+$117.0M |
$737.3M
+0.1% YoY
|
$340.9M
+4.8% YoY
|
$477.3M
+9.7% YoY
|
Top 6.8% in tier |
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| ROA |
0.2%
-122.1% YoY-7.9% QoQ
|
-0.6% |
0.7%
+39.1% YoY
|
0.5%
+4.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.0% in tier |
| NIM |
3.4%
+9.9% YoY+1.1% QoQ
|
+0.0% |
3.4%
+8.7% YoY
|
3.9%
+3.6% YoY
|
3.8%
+5.1% YoY
|
51% |
| Efficiency Ratio |
83.2%
-18.8% YoY-0.9% QoQ
|
+8.8% |
74.3%
-3.6% YoY
|
81.1%
+0.6% YoY
|
79.7%
-3.3% YoY
|
82% |
| Delinquency Rate |
2.7%
+14.9% YoY-3.3% QoQ
|
+1.8 |
0.9%
+3.8% YoY
|
1.2%
+8.0% YoY
|
1.3%
-2.1% YoY
|
Top 2.6% in tier |
| Loan To Share |
86.7%
+1.2% YoY-0.9% QoQ
|
+4.1% |
82.6%
+1.1% YoY
|
70.1%
-2.3% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$26,293
-3.0% YoY-1.4% QoQ
|
$-3K |
$28,873
+2.7% YoY
|
$18,047
+3.6% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
35.0%
+6.6% YoY+3.3% QoQ
|
+10.6% | 24.4% | 23.0% | 19.8% | 85% |
| Indirect Auto % |
16.1%
+1.2% YoY-1.7% QoQ
|
+2.3% | 13.8% | 14.8% | 7.8% | 64% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)