BlastPoint's Credit Union Scorecard

WESTERN VISTA

Charter #3972 · WY

1069 CUs in 100M-500M nationally 7 in WY

WESTERN VISTA has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 97.6% in tier
+ Net Interest Margin 0.90% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 19.6% in tier
- Credit Quality Pressure: Bottom 29.1% in tier
- ROA 0.27% below tier average
- Delinquency rate 0.25% above tier average
- Share Certificate Concentration (%): Bottom 5.2% in tier
- Net Charge-Off Rate: Bottom 9.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	17,058 +0.8% YoY-0.8% QoQ	+1.6K	15,437 -2.9% YoY	21,806 +1.7% YoY	33,374 +5.7% YoY	65%
Assets	$274.6M +9.2% YoY+3.8% QoQ	+$42.7M	$231.9M +1.3% YoY	$331.9M +4.5% YoY	$561.6M +9.7% YoY	69%
Loans	$210.0M -0.9% YoY+1.2% QoQ	+$62.6M	$147.3M -0.1% YoY	$248.7M +3.3% YoY	$397.0M +8.8% YoY	78%
Deposits	$240.0M +7.7% YoY+2.2% QoQ	+$39.2M	$200.8M +0.8% YoY	$284.9M +3.7% YoY	$477.3M +9.7% YoY	69%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% -0.7% YoY+13.9% QoQ	-0.3%	0.8% +18.2% YoY	1.1% +10.8% YoY	0.7% +15.9% YoY	30%
NIM	4.5% +5.8% YoY+2.1% QoQ	+0.9%	3.6% +6.7% YoY	3.9% +0.6% YoY	3.8% +5.1% YoY	Top 9.4% in tier
Efficiency Ratio	74.2% -0.1% YoY-1.3% QoQ	-2.8%	77.0% -3.1% YoY	70.1% -0.5% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	1.1% +44.6% YoY+22.6% QoQ	+0.3	0.9% +4.2% YoY	1.7% +3.5% YoY	1.3% -2.1% YoY	76%
Loan To Share	87.5% -8.0% YoY-1.0% QoQ	+15.3%	72.2% -1.1% YoY	78.9% -1.3% YoY	67.4% -1.7% YoY	80%
AMR	$26,378 +2.7% YoY+2.6% QoQ	+$2K	$24,676 +3.4% YoY	$23,219 +4.0% YoY	$19,687 +2.0% YoY	69%
CD Concentration	42.3% -5.1% YoY-3.2% QoQ	+17.8%	24.4%	26.5%	19.8%	50%
Indirect Auto %	31.0% -19.9% YoY-7.3% QoQ	+17.2%	13.8%	19.3%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#581 of 595 • Top 97.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.83%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.49%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 30.99%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#100 of 506 • Bottom 19.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.25%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 30.99%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.83%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Credit Quality Pressure

risk

#206 of 705 • Bottom 29.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.35% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (6 metrics)

101

Net Interest Margin (NIM)

profitability

Value: 4.50%

Peer Median: -

#101 of 1069 Top 9.4% in 100M-500M tier

176

Asset Growth Rate

growth

Value: 9.25%

Peer Median: -

#176 of 1069 Top 16.4% in 100M-500M tier

214

Loan-to-Share Ratio

balance_sheet

Value: 87.49%

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

233

Total Loans

balance_sheet

Value: $209.96M

Peer Median: -

#233 of 1069 Top 21.7% in 100M-500M tier

235

Deposit Growth Rate

growth

Value: 7.73%

Peer Median: -

#235 of 1069 Top 21.9% in 100M-500M tier

236

Loan-to-Member Ratio (LMR)

engagement

Value: $12,309

Peer Median: -

#236 of 1069 Top 22.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1014

Share Certificate Concentration (%)

balance_sheet

Value: 42.25%

Peer Median: -

#1014 of 1069 Bottom 5.2% in 100M-500M tier

971

Net Charge-Off Rate

risk

Value: 1.09%

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

909

Indirect Auto Concentration (%)

balance_sheet

Value: 30.99%

Peer Median: -

#909 of 1069 Bottom 15.1% in 100M-500M tier

896

Net Worth Ratio

risk

Value: 9.17%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

818

Total Delinquency Rate (60+ days)

risk

Value: 1.15%

Peer Median: -

#818 of 1069 Bottom 23.6% in 100M-500M tier