BlastPoint's Credit Union Scorecard
WESTEX
Charter #5373 · TX
WESTEX has 5 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 4.3% in tier
- + Total Assets: Top 5.4% in tier
- + Deposit Growth Rate: Top 6.0% in tier
- + Asset Growth Rate: Top 6.2% in tier
- + Total Members: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.31% below tier average
- - Efficiency ratio 6.85% above tier (higher cost structure)
- - Delinquency rate 0.36% above tier average
- - Member decline: -3.6% YoY
- - Loan Growth Rate: Bottom 7.9% in tier
- - Loan-to-Share Ratio: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,791
-3.6% YoY+0.0% QoQ
|
+4.2K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Top 6.5% in tier |
| Assets |
$85.2M
+11.4% YoY+2.6% QoQ
|
+$55.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Top 5.5% in tier |
| Loans |
$22.3M
-18.0% YoY-4.8% QoQ
|
+$6.6M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$76.0M
+11.9% YoY+2.9% QoQ
|
+$50.6M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Top 4.4% in tier |
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| ROA |
0.4%
+25.4% YoY-31.6% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
31% |
| NIM |
3.3%
+7.2% YoY-2.3% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
88.2%
-2.3% YoY+2.7% QoQ
|
+6.8% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.9%
+28.7% YoY-9.7% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
29.4%
-26.7% YoY-7.5% QoQ
|
-31.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.6% in tier |
| AMR |
$14,484
+7.2% YoY+1.1% QoQ
|
$-142 |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
54% |
| CD Concentration |
19.3%
+49.7% YoY+7.0% QoQ
|
-5.1% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.8%
-29.3% YoY-8.2% QoQ
|
-12.2% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)