BlastPoint's Credit Union Scorecard
WAYNE-WESTLAND
Charter #5928 · MI
WAYNE-WESTLAND has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 93.2% in tier
- + ROA 0.30% above tier average
- + Net Interest Margin 0.04% above tier average
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 81.4% in tier
- - Membership Headwinds: Bottom 83.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,836
-1.1% YoY-0.2% QoQ
|
-4.6K |
15,437
-2.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$155.2M
+7.6% YoY+2.1% QoQ
|
$-76.6M |
$231.9M
+1.3% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$75.9M
+1.7% YoY-0.9% QoQ
|
$-71.5M |
$147.3M
-0.1% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$141.2M
+5.5% YoY+1.9% QoQ
|
$-59.6M |
$200.8M
+0.8% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
36% |
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| ROA |
1.1%
+23.8% YoY-8.7% QoQ
|
+0.3% |
0.8%
+18.2% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.6%
+7.1% YoY+0.2% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
74.4%
-3.5% YoY+2.7% QoQ
|
-2.6% |
77.0%
-3.1% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.7%
-18.2% YoY-8.8% QoQ
|
-0.2 |
0.9%
+4.2% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
53.7%
-3.5% YoY-2.7% QoQ
|
-18.5% |
72.2%
-1.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 13.7% in tier |
| AMR |
$20,033
+5.3% YoY+1.1% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
34% |
| CD Concentration |
12.0%
+22.3% YoY-0.5% QoQ
|
-12.5% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % |
14.1%
+25.3% YoY-5.6% QoQ
|
+0.3% | 13.8% | 11.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)