BlastPoint's Credit Union Scorecard
WESTERN VISTA
Charter #3972 · WY
WESTERN VISTA has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.60% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - ROA 0.11% below tier average
- - Efficiency ratio 1.40% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 8 that size in Wyoming.
- Shares and deposits +3.1% year over year ($235M in shares and deposits).
- Membership: 17,077 members, -0.7% vs a year ago.
- Delinquency rate 0.68%.
- Return on assets 0.75%.
- Efficiency ratio 78.13% vs a 76.73% peer average.
- Loan-to-share ratio 87.73% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,077
-0.7% YoY+0.4% QoQ
|
+1.9K |
15,168
-2.6% YoY
|
22,105
+2.3% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$280.8M
+8.8% YoY+0.5% QoQ
|
+$48.8M |
$232.0M
+0.7% YoY
|
$345.9M
+6.0% YoY
|
$593.1M
+10.2% YoY
|
70% |
| Loans |
$206.5M
-3.2% YoY+0.1% QoQ
|
+$60.2M |
$146.3M
+0.2% YoY
|
$256.8M
+5.3% YoY
|
$418.6M
+10.1% YoY
|
77% |
| Deposits |
$235.3M
+3.1% YoY+0.7% QoQ
|
+$34.6M |
$200.7M
+0.2% YoY
|
$290.0M
+5.4% YoY
|
$504.8M
+10.3% YoY
|
67% |
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| ROA |
0.8%
+190.9% YoY-14.6% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.4%
+23.8% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
4.3%
+6.8% YoY-4.4% QoQ
|
+0.6% |
3.7%
+4.5% YoY
|
3.9%
-1.1% YoY
|
3.8%
+2.3% YoY
|
83% |
| Efficiency Ratio |
78.1%
-0.3% YoY-2.0% QoQ
|
+1.4% |
76.7%
-0.8% YoY
|
70.6%
+1.3% YoY
|
83.0%
-5.3% YoY
|
52% |
| Delinquency Rate |
0.7%
-15.8% YoY+27.7% QoQ
|
-0.2 |
0.9%
+6.6% YoY
|
2.3%
+31.5% YoY
|
1.3%
+2.6% YoY
|
49% |
| Loan To Share |
87.7%
-6.1% YoY-0.6% QoQ
|
+16.2% |
71.5%
-0.3% YoY
|
76.6%
-2.2% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$25,872
+0.7% YoY+0.0% QoQ
|
+$765 |
$25,107
+3.2% YoY
|
$23,513
+4.1% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
44.0%
+0.4% YoY+10.0% QoQ
|
+19.5% | 24.6% | 26.8% | 20.0% | 50% |
| Indirect Auto % |
28.4%
-16.4% YoY-3.0% QoQ
|
+14.8% | 13.6% | 19.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)