BlastPoint's Credit Union Scorecard
WEDEVELOPMENT
Charter #24937 · 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
|
20% |
| 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
|
15% |
| 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 |
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| 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
|
71% |
| 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
|
47% |
| 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
|
50% |
| Indirect Auto % |
13.0%
-24.4% QoQ
|
-1.0% |
14.0%
-5.7% YoY
|
10.3%
-9.1% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)