BlastPoint's Credit Union Scorecard
WESTERN SUN
Charter #4202 · OK
WESTERN SUN has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 28.2% in tier
- + Net Interest Margin 1.00% above tier average
- + First Mortgage Concentration (%): Top 3.5% in tier
- + Net Worth Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 11.9% in tier
- - Shrinking Wallet Share: Bottom 13.8% in tier
- - Liquidity Strain: Bottom 31.8% in tier
- - Liquidity Overhang: Bottom 89.5% in tier
- - ROA 0.94% below tier average
- - Efficiency ratio 11.31% above tier (higher cost structure)
- - Average Member Relationship (AMR): Bottom 1.2% in tier
- - Fee Income Per Member: Bottom 8.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
25,573
+0.9% YoY+1.1% QoQ
|
+9.9K |
15,628
-3.4% YoY
|
27,533
+2.7% YoY
|
33,089
+6.1% YoY
|
Top 12.3% in tier |
| Assets |
$187.5M
+0.5% YoY-1.1% QoQ
|
$-43.8M |
$231.3M
-0.0% YoY
|
$405.5M
+5.4% YoY
|
$547.7M
+7.8% YoY
|
47% |
| Loans |
$141.6M
-3.5% YoY+0.1% QoQ
|
$-6.2M |
$147.8M
-1.4% YoY
|
$252.8M
+1.3% YoY
|
$388.7M
+8.6% YoY
|
57% |
| Deposits |
$153.9M
+0.5% YoY-1.5% QoQ
|
$-46.3M |
$200.3M
-0.0% YoY
|
$336.4M
+4.6% YoY
|
$464.6M
+9.3% YoY
|
42% |
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| ROA |
-0.2%
-140.7% YoY-3.4% QoQ
|
-0.9% |
0.8%
+15.5% YoY
|
0.6%
+31.7% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.0% in tier |
| NIM |
4.6%
+2.8% YoY+2.9% QoQ
|
+1.0% |
3.6%
+6.9% YoY
|
3.9%
+3.8% YoY
|
3.7%
+5.0% YoY
|
Top 7.6% in tier |
| Efficiency Ratio |
88.6%
+1.0% YoY-0.1% QoQ
|
+11.3% |
77.3%
-3.0% YoY
|
79.2%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 12.7% in tier |
| Delinquency Rate |
0.8%
-0.5% YoY+18.3% QoQ
|
-0.0 |
0.9%
+7.6% YoY
|
1.1%
-4.2% YoY
|
1.2%
-0.9% YoY
|
63% |
| Loan To Share |
92.0%
-4.0% YoY+1.6% QoQ
|
+19.3% |
72.7%
-1.5% YoY
|
71.1%
-2.1% YoY
|
68.0%
-1.7% YoY
|
Top 11.9% in tier |
| AMR |
$11,557
-2.4% YoY-1.9% QoQ
|
$-13K |
$24,363
+2.9% YoY
|
$17,893
+3.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.1% in tier |
| CD Concentration |
36.4%
-1.5% YoY-4.1% QoQ
|
+12.0% |
24.4%
+4.2% YoY
|
23.2%
+1.7% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
8.5%
+50.3% YoY+8.1% QoQ
|
-5.5% |
14.0%
-5.7% YoY
|
15.2%
-17.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
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)