BlastPoint's Credit Union Scorecard
WAYNE-WESTLAND
Charter #5928 · MI
WAYNE-WESTLAND has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.96% above tier average
- + Fee Income Per Member: Top 3.9% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% 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 68 that size in Michigan.
- Shares and deposits +4.8% year over year ($146M in shares and deposits).
- Membership: 10,711 members, -1.9% vs a year ago.
- Delinquency rate 0.47%.
- Return on assets 1.82%.
- Efficiency ratio 65.72% vs a 76.73% peer average.
- Loan-to-share ratio 50.40% 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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,711
-1.9% YoY-0.5% QoQ
|
-4.5K |
15,168
-2.6% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$161.2M
+6.3% YoY+0.9% QoQ
|
$-70.8M |
$232.0M
+0.7% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
35% |
| Loans |
$73.7M
-1.0% YoY-1.3% QoQ
|
$-72.6M |
$146.3M
+0.2% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
19% |
| Deposits |
$146.2M
+4.8% YoY+0.3% QoQ
|
$-54.5M |
$200.7M
+0.2% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
39% |
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| ROA |
1.8%
+60.6% YoY+93.3% QoQ
|
+1.0% |
0.9%
+12.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
Top 5.9% in tier |
| NIM |
3.7%
+3.3% YoY+4.7% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
65.7%
-9.6% YoY-14.7% QoQ
|
-11.0% |
76.7%
-0.8% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
17% |
| Delinquency Rate |
0.5%
-34.7% YoY-34.2% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
33% |
| Loan To Share |
50.4%
-5.6% YoY-1.6% QoQ
|
-21.1% |
71.5%
-0.3% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.2% in tier |
| AMR |
$20,535
+4.8% YoY+0.2% QoQ
|
$-5K |
$25,107
+3.2% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
14.3%
+27.4% YoY+14.3% QoQ
|
-10.3% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % |
11.5%
-0.7% YoY-12.0% QoQ
|
-2.1% | 13.6% | 11.7% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)