BlastPoint's Credit Union Scorecard
WES
Charter #61233 · OH
WES has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.18% above tier average
- + AMR Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -13.9% YoY
- - Member Growth Rate: Bottom 2.9% in tier
- - Loan-to-Share Ratio: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,509
-13.9% YoY-2.3% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
16,819
+5.2% YoY
|
33,374
+5.7% YoY
|
41% |
| Assets |
$13.9M
-1.4% YoY+1.3% QoQ
|
$-16.3M |
$30.1M
+2.1% YoY
|
$253.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$3.4M
-2.8% YoY-2.6% QoQ
|
$-12.4M |
$15.8M
-1.3% YoY
|
$173.0M
+7.8% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$12.4M
-3.2% YoY+1.2% QoQ
|
$-13.3M |
$25.7M
+1.4% YoY
|
$217.1M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
41% |
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| ROA |
0.8%
+77.5% YoY+8.9% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.4%
-22.9% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.8%
+25.2% YoY+2.5% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
44% |
| Efficiency Ratio |
76.3%
-10.9% YoY-0.9% QoQ
|
-6.3% |
82.6%
-2.3% YoY
|
82.6%
+2.4% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
1.1%
+39.4% YoY-12.1% QoQ
|
-0.4 |
1.6%
-3.1% YoY
|
1.6%
+33.3% YoY
|
1.3%
-2.1% YoY
|
64% |
| Loan To Share |
27.0%
+0.4% YoY-3.7% QoQ
|
-33.6% |
60.6%
-3.1% YoY
|
63.0%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.8% in tier |
| AMR |
$10,460
+12.6% YoY+2.7% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$17,423
+5.7% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
8.0%
+140.8% YoY+11.8% QoQ
|
-16.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.2% | 7.8% | 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)