WEDEVELOPMENT
Charter #24937 | MO
<100M
(2596 CUs)
Micro
($0-$500M)
60 <100M in MO
WEDEVELOPMENT has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Strong member growth: 54.1% YoY
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Loan Growth Rate: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 16.25% below tier average
- - Efficiency ratio 186.41% above tier (higher cost structure)
- - Delinquency rate 19.43% above tier average
- - Net Worth Ratio: Bottom 0.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.1% in tier
- - AMR Growth Rate: Bottom 1.2% in tier
- - Net Charge-Off Rate: Bottom 3.4% in tier
- - Indirect Auto Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
698
+54.1% YoY+14.2% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
15,920
+4.0% YoY
|
33,089
+6.1% YoY
|
Bottom 19.8% in tier |
| Assets |
$2.8M
-5.8% YoY+2.1% QoQ
|
$-27.0M |
$29.9M
+1.1% YoY
|
$210.9M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.6% in tier |
| Loans |
$1.6M
+33.4% YoY-2.1% QoQ
|
$-14.2M |
$15.8M
-2.4% YoY
|
$147.8M
+9.0% YoY
|
$388.7M
+8.6% YoY
|
Bottom 15.3% in tier |
| Deposits |
$2.7M
-0.0% YoY+3.1% QoQ
|
$-22.7M |
$25.5M
+0.4% YoY
|
$183.9M
+12.2% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.5% in tier |
| ROA |
-15.6%
-38.7% YoY-27.8% QoQ
|
-16.3% |
0.7%
-731.4% YoY
|
0.6%
+117.2% YoY
|
0.7%
+273.4% YoY
|
Bottom 0.3% in tier |
| NIM |
4.4%
+25.6% YoY-1.5% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.8%
+3.2% YoY
|
3.7%
+5.0% YoY
|
71st in tier |
| Efficiency Ratio |
267.8%
-29.5% YoY-33.5% QoQ
|
+186.4% |
81.4%
-2.4% YoY
|
78.5%
-6.5% YoY
|
79.1%
-3.3% YoY
|
Top 0.7% in tier |
| Delinquency Rate |
20.9%
+121.7% YoY+8.1% QoQ
|
+19.4 |
1.5%
-2.0% YoY
|
1.2%
+9.9% YoY
|
1.2%
-0.9% YoY
|
Top 1.1% in tier |
| Loan To Share |
58.7%
+33.5% YoY-5.1% QoQ
|
-2.5% |
61.2%
-3.0% YoY
|
72.3%
-3.7% YoY
|
68.0%
-1.7% YoY
|
47th in tier |
| AMR |
$6,152
-28.5% YoY-11.5% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$16,810
+3.4% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.4% in tier |
| CD Concentration |
27.4%
+1.4% YoY-6.1% QoQ
|
+3.0% |
24.4%
+4.2% YoY
|
18.1%
+9.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
13.0%
-24.4% QoQ
|
-1.0% |
14.0%
-5.8% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
13
Member Growth Rate
growth
Value:
54.08%
Peer Avg: 14.92%
#13 of 2596
Top 0.5% in <100M tier
24
Loan Growth Rate
growth
Value:
33.43%
Peer Avg: 59.01%
#24 of 2596
Top 0.9% in <100M tier
478
Fee Income Per Member
profitability
Value:
$136.02
Peer Avg: $182.96
#478 of 2596
Top 18.4% in <100M tier
Top Weaknesses (15 metrics)
2591
Net Worth Ratio
risk
Value:
3.50%
Peer Avg: 16.43%
#2591 of 2596
Bottom 0.2% in <100M tier
2587
Return on Assets (ROA)
profitability
Value:
-15.57%
Peer Avg: 0.68%
#2587 of 2596
Bottom 0.4% in <100M tier
2580
Efficiency Ratio
profitability
Value:
267.80%
Peer Avg: 81.39%
#2580 of 2596
Bottom 0.7% in <100M tier
2568
Total Delinquency Rate (60+ days)
risk
Value:
20.94%
Peer Avg: 1.51%
#2568 of 2596
Bottom 1.1% in <100M tier
2566
AMR Growth Rate
growth
Value:
-28.48%
Peer Avg: 4.67%
#2566 of 2596
Bottom 1.2% in <100M tier
2508
Net Charge-Off Rate
risk
Value:
2.83%
Peer Avg: 0.57%
#2508 of 2596
Bottom 3.4% in <100M tier
2387
Indirect Auto Concentration (%)
balance_sheet
Value:
12.97%
Peer Avg: 2.84%
#2387 of 2596
Bottom 8.1% in <100M tier
2284
Asset Growth Rate
growth
Value:
-5.80%
Peer Avg: 1.82%
#2284 of 2596
Bottom 12.1% in <100M tier
2275
Average Member Relationship (AMR)
engagement
Value:
$6,152
Peer Avg: $14,627
#2275 of 2596
Bottom 12.4% in <100M tier
2270
Total Assets
balance_sheet
Value:
$2.81M
Peer Avg: $29.86M
#2270 of 2596
Bottom 12.6% in <100M tier