WESTERN VISTA

Charter #3972 | WY

100M-500M (1077 CUs) Micro
7 100M-500M in WY

WESTERN VISTA has 2 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 30.0% in tier
  • + Net Interest Margin 0.83% above tier average

Key Concerns

Areas that may need attention

  • - Indirect Auto Dependency: Bottom 13.3% in tier
  • - Credit Quality Pressure: Bottom 14.7% in tier
  • - Shrinking Wallet Share: Bottom 22.8% in tier
  • - ROA 0.36% below tier average
  • - Delinquency rate 0.08% above tier average
  • - Share Certificate Concentration (%): Bottom 3.7% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WY) National Avg Tier Percentile
Members 17,196
+2.1% YoY-0.0% QoQ
 +1.6K 15,628
-3.4% YoY
 21,805
+7.5% YoY
 33,089
+6.1% YoY
 65th in tier
Assets $264.6M
+4.7% YoY+2.5% QoQ
 +$33.3M $231.3M
-0.0% YoY
 $326.6M
+9.9% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $207.4M
-4.1% YoY-2.8% QoQ
 +$59.6M $147.8M
-1.4% YoY
 $246.2M
+9.3% YoY
 $388.7M
+8.6% YoY
 Top 22.9% in tier
Deposits $234.7M
+6.6% YoY+2.8% QoQ
 +$34.4M $200.3M
-0.0% YoY
 $279.6M
+8.1% YoY
 $464.6M
+9.3% YoY
 68th in tier
ROA 0.4%
-13.0% YoY+66.9% QoQ
 -0.4% 0.8%
+15.5% YoY
 1.2%
+23.5% YoY
 0.7%
+273.4% YoY
 27th in tier
NIM 4.4%
+2.3% YoY+10.0% QoQ
 +0.8% 3.6%
+6.9% YoY
 3.9%
+2.2% YoY
 3.7%
+5.0% YoY
 Top 11.5% in tier
Efficiency Ratio 75.2%
+3.8% YoY-4.0% QoQ
 -2.0% 77.3%
-3.0% YoY
 69.2%
-3.0% YoY
 79.1%
-3.3% YoY
 43rd in tier
Delinquency Rate 0.9%
+26.4% YoY+15.0% QoQ
 +0.1 0.9%
+7.6% YoY
 2.1%
+78.2% YoY
 1.2%
-0.9% YoY
 67th in tier
Loan To Share 88.4%
-10.0% YoY-5.4% QoQ
 +15.7% 72.7%
-1.5% YoY
 79.1%
-2.4% YoY
 68.0%
-1.7% YoY
 Top 18.5% in tier
AMR $25,712
-0.7% YoY+0.1% QoQ
 +$1K $24,363
+2.9% YoY
 $22,916
+4.8% YoY
 $19,418
+1.3% YoY
 68th in tier
CD Concentration 43.6%
+3.7% YoY-0.4% QoQ
 +19.2% 24.4%
+4.2% YoY
 26.0%
+2.0% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 33.4%
-17.6% YoY-1.6% QoQ
 +19.5% 14.0%
-5.8% YoY
 19.6%
+0.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#551 of 603 • Top 30.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.05%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.43%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 33.43%
(Tier: 13.96%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Concerns (3)

Indirect Auto Dependency

risk
#215 of 525 • Bottom 13.3% in tier

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

Why This Signature
Asset Growth (YoY): 4.65%
(Tier: 4.61%, National: 3.04%)
but better than tier avg
Indirect Auto %: 33.43%
(Tier: 13.96%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.05%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#365 of 736 • Bottom 14.7% in tier

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

Why This Signature
Delinquency Change (YoY): 0.20% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#228 of 244 • Bottom 22.8% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -0.74%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

124
Net Interest Margin (NIM)
profitability
Value: 4.41%
Peer Avg: 3.58%
#124 of 1077 Top 11.4% in 100M-500M tier
199
Loan-to-Share Ratio
balance_sheet
Value: 88.37%
Peer Avg: 72.70%
#199 of 1077 Top 18.4% in 100M-500M tier
247
Total Loans
balance_sheet
Value: $207.41M
Peer Avg: $147.80M
#247 of 1077 Top 22.8% in 100M-500M tier
253
Loan-to-Member Ratio (LMR)
engagement
Value: $12,062
Peer Avg: $10,245
#253 of 1077 Top 23.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1038
Share Certificate Concentration (%)
balance_sheet
Value: 43.64%
Peer Avg: 23.61%
#1038 of 1077 Bottom 3.7% in 100M-500M tier
934
Indirect Auto Concentration (%)
balance_sheet
Value: 33.43%
Peer Avg: 13.34%
#934 of 1077 Bottom 13.4% in 100M-500M tier
933
Net Charge-Off Rate
risk
Value: 0.86%
Peer Avg: 0.47%
#933 of 1077 Bottom 13.5% in 100M-500M tier
902
Loan Growth Rate
growth
Value: -4.06%
Peer Avg: 3.45%
#902 of 1077 Bottom 16.3% in 100M-500M tier
895
AMR Growth Rate
growth
Value: -0.74%
Peer Avg: 3.64%
#895 of 1077 Bottom 17.0% in 100M-500M tier
874
Net Worth Ratio
risk
Value: 9.37%
Peer Avg: 12.15%
#874 of 1077 Bottom 18.9% in 100M-500M tier