BlastPoint's Credit Union Scorecard
WCU CREDIT UNION
Charter #61150 · AL
WCU CREDIT UNION has 1 strength but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.22% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.06% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,359
-0.7% YoY-0.5% QoQ
|
+682 |
2,676
+1.6% YoY
|
28,055
-6.4% YoY
|
33,913
+5.7% YoY
|
72% |
| Assets |
$35.2M
+1.6% YoY+3.1% QoQ
|
+$5.0M |
$30.2M
+1.3% YoY
|
$451.2M
+7.2% YoY
|
$578.3M
+9.0% YoY
|
65% |
| Loans |
$17.1M
-0.9% YoY-2.4% QoQ
|
+$1.8M |
$15.3M
-2.0% YoY
|
$260.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$32.0M
+1.5% YoY+3.3% QoQ
|
+$6.2M |
$25.8M
+0.7% YoY
|
$395.2M
+6.0% YoY
|
$494.3M
+9.1% YoY
|
67% |
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| ROA |
0.4%
-36.4% YoY-26.9% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.6%
-14.6% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
3.8%
-0.2% YoY-4.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+0.6% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
92.7%
+5.5% YoY+3.2% QoQ
|
+2.1% |
90.6%
+6.5% YoY
|
80.4%
-0.1% YoY
|
84.6%
+2.8% YoY
|
74% |
| Delinquency Rate |
0.1%
-92.8% YoY-40.4% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.6%
+17.5% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
53.5%
-2.5% YoY-5.6% QoQ
|
-5.0% |
58.5%
-3.0% YoY
|
59.2%
-1.1% YoY
|
65.6%
-1.4% YoY
|
42% |
| AMR |
$14,606
+1.4% YoY+1.7% QoQ
|
$-278 |
$14,884
-1.7% YoY
|
$17,504
+3.5% YoY
|
$19,920
+1.6% YoY
|
53% |
| CD Concentration |
0.6%
-3.2% YoY-2.6% QoQ
|
-23.6% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.1% | 7.7% | 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)