BlastPoint's Credit Union Scorecard
WESTERN VISTA
Charter #3972 · WY
WESTERN VISTA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 0.85% above tier average
- + Asset Growth Rate: Top 4.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 1.69% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,012
+0.1% YoY-0.3% QoQ
|
+1.9K |
15,145
-2.5% YoY
|
21,934
+2.5% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$279.3M
+13.0% YoY+1.7% QoQ
|
+$47.6M |
$231.7M
+0.8% YoY
|
$341.2M
+5.8% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$206.3M
-1.4% YoY-1.7% QoQ
|
+$62.2M |
$144.1M
+0.2% YoY
|
$250.8M
+3.8% YoY
|
$402.4M
+8.7% YoY
|
78% |
| Deposits |
$233.7M
+6.5% YoY-2.6% QoQ
|
+$32.5M |
$201.1M
+0.4% YoY
|
$290.8M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.9%
+79.2% QoQ
|
+0.2% |
0.7%
+5.1% YoY
|
1.0%
-6.8% YoY
|
0.4%
-39.2% YoY
|
63% |
| NIM |
4.5%
+16.9% YoY-0.5% QoQ
|
+0.8% |
3.6%
+4.6% YoY
|
3.9%
-0.5% YoY
|
3.8%
+4.1% YoY
|
Top 10.2% in tier |
| Efficiency Ratio |
79.7%
-5.7% YoY+7.4% QoQ
|
+1.7% |
78.0%
-1.7% YoY
|
73.8%
+4.7% YoY
|
84.6%
+2.8% YoY
|
54% |
| Delinquency Rate |
0.5%
-33.1% YoY-53.2% QoQ
|
-0.2 |
0.8%
+7.1% YoY
|
1.7%
+17.4% YoY
|
1.2%
+3.4% YoY
|
44% |
| Loan To Share |
88.3%
-7.5% YoY+0.9% QoQ
|
+17.9% |
70.4%
-0.4% YoY
|
76.1%
-2.5% YoY
|
65.6%
-1.4% YoY
|
Top 13.6% in tier |
| AMR |
$25,863
+2.6% YoY-2.0% QoQ
|
+$945 |
$24,918
+2.7% YoY
|
$23,399
+4.1% YoY
|
$19,920
+1.6% YoY
|
66% |
| CD Concentration |
40.0%
-6.7% YoY-5.3% QoQ
|
+15.7% | 24.3% | 26.4% | 19.8% | 50% |
| Indirect Auto % |
29.3%
-20.4% YoY-5.5% QoQ
|
+15.5% | 13.8% | 19.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (1)
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)