BlastPoint's Credit Union Scorecard

WESTERN SUN

Charter #4202 · OK

100M-500M

1024 CUs in 100M-500M nationally 18 in OK

WESTERN SUN has 6 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
+ Organic Growth Engine: Top 50.0% in tier
+ Net Interest Margin 1.16% above tier average
+ First Mortgage Concentration (%): Top 3.7% in tier
+ Loan-to-Share Ratio: Top 5.3% in tier
+ Net Worth Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 50.0% in tier
- Deposit Outflow: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Liquidity Strain: Bottom 50.0% in tier
- ROA 0.77% below tier average
- Efficiency ratio 13.66% above tier (higher cost structure)
- Average Member Relationship (AMR): Bottom 0.8% 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 18 that size in Oklahoma.
Shares and deposits -5.2% year over year ($148M in shares and deposits).
Membership: 25,873 members, +2.3% vs a year ago.
Delinquency rate 0.71%.
Return on assets 0.09%.
Efficiency ratio 90.40% vs a 76.73% peer average.
Loan-to-share ratio 95.73% 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 (OK)	National Avg	Tier Percentile
Members	25,873 +2.3% YoY+0.7% QoQ	+10.7K	15,168 -2.6% YoY	28,343 +3.0% YoY	34,678 +6.6% YoY	Top 10.8% in tier
Assets	$181.5M -4.3% YoY-2.3% QoQ	$-50.5M	$232.0M +0.7% YoY	$422.2M +5.5% YoY	$593.1M +10.2% YoY	44%
Loans	$141.8M +0.2% YoY+1.2% QoQ	$-4.4M	$146.3M +0.2% YoY	$261.4M +3.6% YoY	$418.6M +10.1% YoY	58%
Deposits	$148.2M -5.2% YoY-2.9% QoQ	$-52.6M	$200.7M +0.2% YoY	$356.1M +5.9% YoY	$504.8M +10.3% YoY	40%

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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% -155.4% YoY-239.1% QoQ	-0.8%	0.9% +12.5% YoY	0.8% +38.1% YoY	1.2% +121.4% YoY	Bottom 3.1% in tier
NIM	4.8% +8.6% YoY+2.2% QoQ	+1.2%	3.7% +4.5% YoY	4.0% +2.7% YoY	3.8% +2.3% YoY	Top 5.2% in tier
Efficiency Ratio	90.4% +2.0% YoY-2.8% QoQ	+13.7%	76.7% -0.8% YoY	80.0% +0.4% YoY	83.0% -5.3% YoY	Bottom 10.9% in tier
Delinquency Rate	0.7% -0.6% YoY+13.9% QoQ	-0.2	0.9% +6.6% YoY	0.9% -29.0% YoY	1.3% +2.6% YoY	50%
Loan To Share	95.7% +5.7% YoY+4.2% QoQ	+24.2%	71.5% -0.3% YoY	69.7% -2.0% YoY	66.4% -1.4% YoY	Top 5.4% in tier
AMR	$11,207 -4.8% YoY-1.6% QoQ	$-14K	$25,107 +3.2% YoY	$18,336 +3.3% YoY	$20,028 -0.9% YoY	Bottom 0.7% in tier
CD Concentration	33.1% -12.7% YoY+0.7% QoQ	+8.6%	24.6%	22.8%	20.0%	50%
Indirect Auto %	10.1% +27.8% YoY+0.6% QoQ	-3.5%	13.6%	14.2%	7.7%	50%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#186 of 342 • 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): 2.29%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 10.08%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#324 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.29%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.09%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 10.08%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (5)

Capital Constraint

risk

#2 of 19 • 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: 95.73%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Deposit Growth (YoY): -5.23%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Net Worth Ratio: 17.57%

(Tier: 12.53%, National: 14.66%)

but better than tier avg

19 of 1024 Mid-Small & Community CUs have this signature | 27 nationally

→ Stable (23→19 CUs) -4 CUs YoY | New qualifier

Deposit Outflow

decline

#18 of 84 • 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): -5.23%

(Tier: 4.24%, National: 100.69%)

worse than tier avg

Member Growth (YoY): 2.29%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally

↓ Shrinking -9 CUs YoY | New qualifier

Shrinking Wallet Share

decline

#59 of 223 • 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): -4.82%

(Tier: 3.97%, National: 35.20%)

worse than tier avg

223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally

↓ Shrinking -61 CUs YoY | Rank improving

Efficiency Drag

risk

#146 of 531 • 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: 90.40%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.10% points, National: 0.47% points)

but better than tier avg

Member Growth (YoY): 2.29%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Liquidity Strain

risk

#145 of 224 • 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: 95.73%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 0.22%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

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 1024 peers in tier

Top Strengths (7 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 2.88%

Peer Median: 29.92%

#39 of 1024 Top 3.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.84%

Peer Median: 3.67%

#53 of 1024 Top 5.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 95.73%

Peer Median: 73.07%

#55 of 1024 Top 5.3% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.57%

Peer Median: 11.71%

#71 of 1024 Top 6.8% in 100M-500M tier

111

Total Members

engagement

Value: 25,873

Peer Median: 13,128

#111 of 1024 Top 10.7% in 100M-500M tier

251

Members Per Employee (MPE)

engagement

Value: 380.485

Peer Median: 310.924

#251 of 1024 Top 24.4% in 100M-500M tier

253

Member Growth Rate

growth

Value: 2.29%

Peer Median: -0.03%

#253 of 1024 Top 24.6% in 100M-500M tier

Top Weaknesses (10 metrics)

1017

Average Member Relationship (AMR)

engagement

Value: $11,207

Peer Median: $23,006

#1017 of 1024 Bottom 0.8% in 100M-500M tier

1000

Deposit Growth Rate

growth

Value: -5.23%

Peer Median: 3.58%

#1000 of 1024 Bottom 2.4% in 100M-500M tier

994

Asset Growth Rate

growth

Value: -4.32%

Peer Median: 4.12%

#994 of 1024 Bottom 3.0% in 100M-500M tier

992

Return on Assets (ROA)

profitability

Value: 0.09%

Peer Median: 0.75%

#992 of 1024 Bottom 3.2% in 100M-500M tier

976

AMR Growth Rate

growth

Value: -4.82%

Peer Median: 3.53%

#976 of 1024 Bottom 4.8% in 100M-500M tier

942

Fee Income Per Member

profitability

Value: $81.74

Peer Median: $159.88

#942 of 1024 Bottom 8.1% in 100M-500M tier

931

Loan-to-Member Ratio (LMR)

engagement

Value: $5,481

Peer Median: $9,434

#931 of 1024 Bottom 9.2% in 100M-500M tier

913

Efficiency Ratio

profitability

Value: 90.40%

Peer Median: 77.26%

#913 of 1024 Bottom 10.9% in 100M-500M tier

826

Net Charge-Off Rate

risk

Value: 0.70%

Peer Median: 0.34%

#826 of 1024 Bottom 19.4% in 100M-500M tier

817

Share Certificate Concentration (%)

balance_sheet

Value: 33.14%

Peer Median: 23.39%

#817 of 1024 Bottom 20.3% in 100M-500M tier