BlastPoint's Credit Union Scorecard
WES
Charter #61233 · OH
WES has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.12% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.41% below tier average
- - Delinquency rate 0.34% above tier average
- - Member decline: -3.4% YoY
- - Loan-to-Share Ratio: Bottom 7.2% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 97 that size in Ohio.
- Shares and deposits +3.1% year over year ($12.8M in shares and deposits).
- Membership: 1,502 members, -3.4% vs a year ago.
- Delinquency rate 1.89%.
- Return on assets 1.08%.
- Efficiency ratio 72.52% vs a 88.77% peer average.
- Loan-to-share ratio 24.40% vs a 58.89% 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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,502
-3.4% YoY-0.5% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
18,978
+16.2% YoY
|
34,678
+6.6% YoY
|
41% |
| Assets |
$14.3M
+3.7% YoY-0.9% QoQ
|
$-16.0M |
$30.3M
+1.5% YoY
|
$292.1M
+20.6% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$3.1M
-8.1% YoY-1.5% QoQ
|
$-12.3M |
$15.5M
-1.7% YoY
|
$203.0M
+21.8% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$12.8M
+3.1% YoY-1.1% QoQ
|
$-13.0M |
$25.8M
+1.1% YoY
|
$251.0M
+21.0% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
1.1%
+40.4% YoY+16.1% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
0.9%
+55.0% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
4.0%
+13.9% YoY+0.2% QoQ
|
+0.1% |
3.9%
+0.9% YoY
|
3.7%
+2.2% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
72.5%
-4.5% YoY-1.0% QoQ
|
-16.2% |
88.8%
-6.9% YoY
|
79.2%
-2.1% YoY
|
83.0%
-5.3% YoY
|
31% |
| Delinquency Rate |
1.9%
+71.7% YoY+31.2% QoQ
|
+0.3 |
1.5%
+2.1% YoY
|
1.1%
-6.2% YoY
|
1.3%
+2.6% YoY
|
77% |
| Loan To Share |
24.4%
-10.9% YoY-0.4% QoQ
|
-34.5% |
58.9%
-3.1% YoY
|
60.7%
-4.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.1% in tier |
| AMR |
$10,641
+4.2% YoY-0.6% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$18,171
+7.2% YoY
|
$20,028
-0.9% YoY
|
31% |
| CD Concentration |
6.9%
+28.1% YoY-14.2% QoQ
|
-17.6% | 24.6% | 19.2% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 11.9% | 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)