BlastPoint's Credit Union Scorecard
WCU CREDIT UNION
Charter #61150 · AL
WCU CREDIT UNION has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
- - Efficiency ratio 7.50% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,386
+0.1% YoY+0.2% QoQ
|
+760 |
2,625
-2.2% YoY
|
29,240
-2.8% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$33.7M
-3.5% YoY-1.2% QoQ
|
+$3.8M |
$29.9M
+1.1% YoY
|
$436.7M
+7.4% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$17.3M
-4.7% YoY-1.2% QoQ
|
+$1.6M |
$15.8M
-2.4% YoY
|
$258.0M
+6.8% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$30.5M
-4.1% YoY-1.4% QoQ
|
+$5.1M |
$25.5M
+0.4% YoY
|
$382.5M
+6.8% YoY
|
$464.6M
+9.3% YoY
|
66% |
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| ROA |
0.5%
-18.0% YoY+27.7% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+31.6% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.9%
+3.7% YoY+2.6% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.7%
+6.4% YoY
|
3.7%
+5.0% YoY
|
51% |
| Efficiency Ratio |
88.9%
+1.6% YoY-2.8% QoQ
|
+7.5% |
81.4%
-2.4% YoY
|
76.4%
-6.2% YoY
|
79.1%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.3%
-72.9% YoY-30.5% QoQ
|
-1.2 |
1.5%
-2.0% YoY
|
1.7%
+18.9% YoY
|
1.2%
-0.9% YoY
|
32% |
| Loan To Share |
56.9%
-0.6% YoY+0.2% QoQ
|
-4.4% |
61.2%
-3.0% YoY
|
60.8%
-1.6% YoY
|
68.0%
-1.7% YoY
|
43% |
| AMR |
$14,134
-4.5% YoY-1.5% QoQ
|
$-493 |
$14,627
-2.7% YoY
|
$17,062
+2.3% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
0.7%
-6.6% YoY+1.9% QoQ
|
-23.7% |
24.4%
+4.2% YoY
|
20.8%
+2.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.4%
-6.7% 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)