BlastPoint's Credit Union Scorecard

WESTERN SUN

Charter #4202 · OK

100M-500M

1070 CUs in 100M-500M nationally 18 in OK

WESTERN SUN has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OK Analysis

How does OK stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 50.0% in tier
+ Net Interest Margin 1.10% above tier average
+ First Mortgage Concentration (%): Top 3.8% in tier
+ Net Worth Ratio: Top 7.1% in tier
+ Loan-to-Share Ratio: Top 8.6% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Capital Constraint: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- ROA 0.79% below tier average
- Efficiency ratio 15.01% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Members	25,703 +2.1% YoY+0.2% QoQ	+10.6K	15,145 -2.5% YoY	27,625 +2.9% YoY	33,913 +5.7% YoY	Top 11.0% in tier
Assets	$185.7M -3.8% YoY+2.0% QoQ	$-46.0M	$231.7M +0.8% YoY	$413.6M +5.6% YoY	$578.3M +9.0% YoY	46%
Loans	$140.1M -1.2% YoY-1.1% QoQ	$-4.1M	$144.1M +0.2% YoY	$253.0M +3.1% YoY	$402.4M +8.7% YoY	59%
Deposits	$152.5M -4.6% YoY+2.6% QoQ	$-48.6M	$201.1M +0.4% YoY	$348.7M +5.1% YoY	$494.3M +9.1% YoY	42%

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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	-0.1% -77.4% YoY-28.9% QoQ	-0.8%	0.7% +5.1% YoY	0.3% +194.5% YoY	0.4% -39.2% YoY	Bottom 6.7% in tier
NIM	4.7% +8.1% YoY+0.3% QoQ	+1.1%	3.6% +4.6% YoY	3.9% +1.6% YoY	3.8% +4.1% YoY	Top 6.0% in tier
Efficiency Ratio	93.0% +4.8% YoY+4.9% QoQ	+15.0%	78.0% -1.7% YoY	85.0% -0.4% YoY	84.6% +2.8% YoY	Bottom 9.6% in tier
Delinquency Rate	0.6% -14.2% YoY-3.5% QoQ	-0.2	0.8% +7.1% YoY	1.0% -16.7% YoY	1.2% +3.4% YoY	51%
Loan To Share	91.9% +3.6% YoY-3.6% QoQ	+21.4%	70.4% -0.4% YoY	68.5% -1.8% YoY	65.6% -1.4% YoY	Top 8.7% in tier
AMR	$11,385 -4.9% YoY+0.6% QoQ	$-14K	$24,918 +2.7% YoY	$18,267 +3.9% YoY	$19,920 +1.6% YoY	Bottom 1.1% in tier
CD Concentration	32.9% -13.5% YoY-5.3% QoQ	+8.6%	24.3%	22.8%	19.8%	50%
Indirect Auto %	10.0% +42.2% YoY+7.5% QoQ	-3.8%	13.8%	14.5%	7.7%	50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth

#223 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.06%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 10.02%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (6)

Efficiency Drag

risk

#98 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 93.03%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.22% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 2.06%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Deposit Outflow

decline

#19 of 72 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -4.58%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 2.06%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

72 of 1070 Mid-Small & Community CUs have this signature | 98 nationally

→ No prior data (72 CUs now) | New qualifier

Shrinking Wallet Share

decline

#65 of 238 • Bottom 50.0% in tier

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

Why This Signature

AMR Growth (YoY): -4.93%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Capital Constraint

risk

#6 of 16 • Bottom 50.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 91.85%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Deposit Growth (YoY): -4.58%

(Tier: 4.30%, National: 64.06%)

worse than tier avg

Net Worth Ratio: 17.11%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

16 of 1070 Mid-Small & Community CUs have this signature | 25 nationally

→ No prior data (16 CUs now) | New qualifier

Liquidity Strain

risk

#167 of 183 • Bottom 50.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.85%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): -1.16%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

183 of 1070 Mid-Small & Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | New qualifier

Liquidity Overhang

risk

#116 of 126 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 17.11%

(Tier: 11.91%, National: 14.35%)

but better than tier avg

Loan-to-Share Ratio: 91.85%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

126 of 1070 Mid-Small & Community CUs have this signature | 143 nationally

↑ Growing +19 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 2.72%

Peer Median: 29.47%

#42 of 1070 Top 3.8% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.73%

Peer Median: 3.62%

#64 of 1070 Top 5.9% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.11%

Peer Median: 11.45%

#77 of 1070 Top 7.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.85%

Peer Median: 71.88%

#93 of 1070 Top 8.6% in 100M-500M tier

118

Total Members

engagement

Value: 25,703

Peer Median: 13,200

#118 of 1070 Top 10.9% in 100M-500M tier

239

Members Per Employee (MPE)

engagement

Value: 389.439

Peer Median: 309.176

#239 of 1070 Top 22.2% in 100M-500M tier

Top Weaknesses (10 metrics)

1058

Average Member Relationship (AMR)

engagement

Value: $11,385

Peer Median: $22,931

#1058 of 1070 Bottom 1.2% in 100M-500M tier

1028

Deposit Growth Rate

growth

Value: -4.58%

Peer Median: 3.30%

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1024

Asset Growth Rate

growth

Value: -3.84%

Peer Median: 3.91%

#1024 of 1070 Bottom 4.4% in 100M-500M tier

1011

AMR Growth Rate

growth

Value: -4.93%

Peer Median: 3.46%

#1011 of 1070 Bottom 5.6% in 100M-500M tier

998

Return on Assets (ROA)

profitability

Value: -0.06%

Peer Median: 0.69%

#998 of 1070 Bottom 6.8% in 100M-500M tier

973

Loan-to-Member Ratio (LMR)

engagement

Value: $5,451

Peer Median: $9,356

#973 of 1070 Bottom 9.2% in 100M-500M tier

971

Fee Income Per Member

profitability

Value: $78.94

Peer Median: $154.95

#971 of 1070 Bottom 9.3% in 100M-500M tier

968

Efficiency Ratio

profitability

Value: 93.03%

Peer Median: 78.68%

#968 of 1070 Bottom 9.6% in 100M-500M tier

854

Share Certificate Concentration (%)

balance_sheet

Value: 32.91%

Peer Median: 23.10%

#854 of 1070 Bottom 20.3% in 100M-500M tier

851

Net Charge-Off Rate

risk

Value: 0.73%

Peer Median: 0.35%

#851 of 1070 Bottom 20.6% in 100M-500M tier