BlastPoint's Credit Union Scorecard

WESTERN SUN

Charter #4202 · OK

1069 CUs in 100M-500M nationally 17 in OK

WESTERN SUN has 5 strengths but faces 14 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 57.9% in tier
  • + Net Interest Margin 1.12% above tier average
  • + First Mortgage Concentration (%): Top 3.7% in tier
  • + Net Worth Ratio: Top 6.4% in tier
  • + Loan-to-Share Ratio: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 18.2% in tier
  • - Shrinking Wallet Share: Bottom 22.7% in tier
  • - Deposit Outflow: Bottom 27.9% in tier
  • - Efficiency Drag: Bottom 49.7% in tier
  • - Liquidity Strain: Bottom 72.7% in tier
  • - Liquidity Overhang: Bottom 85.1% in tier
  • - ROA 0.85% below tier average
  • - Efficiency ratio 11.71% above tier (higher cost structure)
  • - Average Member Relationship (AMR): Bottom 1.1% in tier
  • - Deposit Growth Rate: Bottom 3.5% in tier
  • - Asset Growth Rate: Bottom 3.6% in tier
  • - AMR Growth Rate: Bottom 3.8% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 8.7% in tier
  • - Fee Income Per Member: Bottom 9.0% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Members 25,642
+2.2% YoY+0.3% QoQ
 +10.2K 15,437
-2.9% YoY
 27,482
+2.5% YoY
 33,374
+5.7% YoY
 Top 11.6% in tier
Assets $182.1M
-4.0% YoY-2.9% QoQ
 $-49.8M $231.9M
+1.3% YoY
 $405.9M
+5.4% YoY
 $561.6M
+9.7% YoY
 44%
Loans $141.6M
-2.4% YoY+0.0% QoQ
 $-5.7M $147.3M
-0.1% YoY
 $252.1M
+2.0% YoY
 $397.0M
+8.8% YoY
 58%
Deposits $148.7M
-4.8% YoY-3.4% QoQ
 $-52.2M $200.8M
+0.8% YoY
 $340.9M
+4.8% YoY
 $477.3M
+9.7% YoY
 40%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA -0.1%
-117.0% YoY-42.0% QoQ
 -0.9% 0.8%
+18.2% YoY
 0.5%
+4.6% YoY
 0.7%
+15.9% YoY
 Bottom 5.5% in tier
NIM 4.7%
+6.3% YoY+3.0% QoQ
 +1.1% 3.6%
+6.7% YoY
 3.9%
+3.6% YoY
 3.8%
+5.1% YoY
 Top 5.7% in tier
Efficiency Ratio 88.7%
+4.8% YoY+0.2% QoQ
 +11.7% 77.0%
-3.1% YoY
 81.1%
+0.6% YoY
 79.7%
-3.3% YoY
 Top 12.4% in tier
Delinquency Rate 0.6%
-38.2% YoY-23.6% QoQ
 -0.3 0.9%
+4.2% YoY
 1.2%
+8.0% YoY
 1.3%
-2.1% YoY
 45%
Loan To Share 95.3%
+2.6% YoY+3.6% QoQ
 +23.0% 72.2%
-1.1% YoY
 70.1%
-2.3% YoY
 67.4%
-1.7% YoY
 Top 6.8% in tier
AMR $11,320
-5.7% YoY-2.0% QoQ
 $-13K $24,676
+3.4% YoY
 $18,047
+3.6% YoY
 $19,687
+2.0% YoY
 Bottom 1.0% in tier
CD Concentration 34.8%
-8.8% YoY-4.5% QoQ
 +10.3% 24.4% 23.0% 19.8% 50%
Indirect Auto % 9.3%
+44.3% YoY+9.4% QoQ
 -4.5% 13.8% 14.8% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Leader

growth
#247 of 426 • Top 57.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.16%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Indirect Auto %: 9.32%
(Tier: 13.79%, National: 7.78%)
better than tier avg
426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally
→ No prior data (426 CUs now) | New qualifier

Concerns (6)

Capital Constraint

risk
#5 of 23 • Bottom 18.2% 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: 95.27%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Deposit Growth (YoY): -4.81%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Net Worth Ratio: 17.46%
(Tier: 11.97%, National: 14.49%)
but better than tier avg
23 of 1069 Mid-Small & Community CUs have this signature | 32 nationally
→ No prior data (23 CUs now) | New qualifier

Shrinking Wallet Share

decline
#48 of 208 • Bottom 22.7% in tier

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

Why This Signature
AMR Growth (YoY): -5.67%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Deposit Outflow

decline
#20 of 69 • Bottom 27.9% 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): -4.81%
(Tier: 5.05%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 2.16%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
69 of 1069 Mid-Small & Community CUs have this signature | 91 nationally
→ No prior data (69 CUs now) | New qualifier

Efficiency Drag

risk
#268 of 538 • Bottom 49.7% in tier

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

Why This Signature
Efficiency Ratio: 88.73%
(Tier: 76.88%, National: 79.67%)
worse than tier avg
ROA Change (YoY): -0.62% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 2.16%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally
↓ Shrinking -98 CUs YoY | Rank improving

Liquidity Strain

risk
#166 of 228 • Bottom 72.7% in tier

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

Why This Signature
Loan-to-Share Ratio: 95.27%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
Loan Growth (YoY): -2.38%
(Tier: 4.11%, National: 111.96%)
worse than tier avg
228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally
↓ Shrinking -37 CUs YoY | Rank improving

Liquidity Overhang

risk
#115 of 135 • Bottom 85.1% in tier

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

Why This Signature
Net Worth Ratio: 17.46%
(Tier: 11.97%, National: 14.49%)
but better than tier avg
Loan-to-Share Ratio: 95.27%
(Tier: 74.08%, National: 67.44%)
but better than tier avg
135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally
↑ Growing +17 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 1069 peers in tier

Top Strengths (6 metrics)

41
First Mortgage Concentration (%)
balance_sheet
Value: 2.83%
Peer Median: -
#41 of 1069 Top 3.7% in 100M-500M tier
61
Net Interest Margin (NIM)
profitability
Value: 4.72%
Peer Median: -
#61 of 1069 Top 5.6% in 100M-500M tier
69
Net Worth Ratio
risk
Value: 17.46%
Peer Median: -
#69 of 1069 Top 6.4% in 100M-500M tier
73
Loan-to-Share Ratio
balance_sheet
Value: 95.27%
Peer Median: -
#73 of 1069 Top 6.7% in 100M-500M tier
124
Total Members
engagement
Value: 25,642
Peer Median: -
#124 of 1069 Top 11.5% in 100M-500M tier
249
Members Per Employee (MPE)
engagement
Value: 382.716
Peer Median: -
#249 of 1069 Top 23.2% in 100M-500M tier

Top Weaknesses (11 metrics)

1058
Average Member Relationship (AMR)
engagement
Value: $11,320
Peer Median: -
#1058 of 1069 Bottom 1.1% in 100M-500M tier
1033
Deposit Growth Rate
growth
Value: -4.81%
Peer Median: -
#1033 of 1069 Bottom 3.5% in 100M-500M tier
1032
Asset Growth Rate
growth
Value: -4.04%
Peer Median: -
#1032 of 1069 Bottom 3.6% in 100M-500M tier
1029
AMR Growth Rate
growth
Value: -5.67%
Peer Median: -
#1029 of 1069 Bottom 3.8% in 100M-500M tier
1010
Return on Assets (ROA)
profitability
Value: -0.09%
Peer Median: -
#1010 of 1069 Bottom 5.6% in 100M-500M tier
977
Loan-to-Member Ratio (LMR)
engagement
Value: $5,523
Peer Median: -
#977 of 1069 Bottom 8.7% in 100M-500M tier
974
Fee Income Per Member
profitability
Value: $86.75
Peer Median: -
#974 of 1069 Bottom 9.0% in 100M-500M tier
937
Efficiency Ratio
profitability
Value: 88.73%
Peer Median: -
#937 of 1069 Bottom 12.4% in 100M-500M tier
903
Share Certificate Concentration (%)
balance_sheet
Value: 34.76%
Peer Median: -
#903 of 1069 Bottom 15.6% in 100M-500M tier
856
Net Charge-Off Rate
risk
Value: 0.70%
Peer Median: -
#856 of 1069 Bottom 20.0% in 100M-500M tier
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