BlastPoint's Credit Union Scorecard

COMMUNITY WEST

Charter #61677 · MI

100M-500M

1069 CUs in 100M-500M nationally 68 in MI

COMMUNITY WEST faces 7 concerns requiring attention

National Analysis

How does the industry compare?

MI Analysis

How does MI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.53% below tier average
- Efficiency ratio 14.10% above tier (higher cost structure)
- Member decline: -2.9% YoY

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MI)	National Avg	Tier Percentile
Members	18,011 -2.9% YoY-1.4% QoQ	+2.6K	15,437 -2.9% YoY	35,710 +6.8% YoY	33,374 +5.7% YoY	69%
Assets	$248.7M +1.6% YoY+0.4% QoQ	+$16.8M	$231.9M +1.3% YoY	$674.6M +13.3% YoY	$561.6M +9.7% YoY	63%
Loans	$146.4M +2.1% YoY-1.2% QoQ	$-900K	$147.3M -0.1% YoY	$472.4M +13.5% YoY	$397.0M +8.8% YoY	59%
Deposits	$225.6M +0.9% YoY+0.8% QoQ	+$24.8M	$200.8M +0.8% YoY	$573.0M +13.1% YoY	$477.3M +9.7% YoY	65%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.2% +40.8% QoQ	-0.5%	0.8% +18.2% YoY	0.9% -8.5% YoY	0.7% +15.9% YoY	Bottom 14.4% in tier
NIM	2.9% +6.0% YoY+2.0% QoQ	-0.7%	3.6% +6.7% YoY	3.8% +7.8% YoY	3.8% +5.1% YoY	15%
Efficiency Ratio	91.1% -7.4% YoY-2.7% QoQ	+14.1%	77.0% -3.1% YoY	75.4% -1.6% YoY	79.7% -3.3% YoY	Bottom 8.0% in tier
Delinquency Rate	0.4% -31.0% YoY-17.9% QoQ	-0.5	0.9% +4.2% YoY	0.9% -8.5% YoY	1.3% -2.1% YoY	21%
Loan To Share	64.9% +1.2% YoY-2.0% QoQ	-7.3%	72.2% -1.1% YoY	67.1% -0.1% YoY	67.4% -1.7% YoY	32%
AMR	$20,658 +4.3% YoY+1.4% QoQ	$-4K	$24,676 +3.4% YoY	$22,475 +5.7% YoY	$19,687 +2.0% YoY	38%
CD Concentration	18.1% -2.1% YoY-0.1% QoQ	-6.3%	24.4%	18.6%	19.8%	50%
Indirect Auto %	31.2% -5.5% YoY-0.9% QoQ	+17.5%	13.8%	11.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Efficiency Drag

risk

#143 of 538 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.12%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.23% points

(Tier: 0.11% points, National: 0.02% points)

but better than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Membership Headwinds

decline

#264 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#267 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 1.61%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 31.25%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Stagnation Risk

risk

#391 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.86%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 2.11%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (1 metrics)

227

Total Delinquency Rate (60+ days)

risk

Value: 0.37%

Peer Median: -

#227 of 1069 Top 21.1% in 100M-500M tier

Top Weaknesses (8 metrics)

984

Efficiency Ratio

profitability

Value: 91.12%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

915

Return on Assets (ROA)

profitability

Value: 0.23%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

912

Indirect Auto Concentration (%)

balance_sheet

Value: 31.25%

Peer Median: -

#912 of 1069 Bottom 14.8% in 100M-500M tier

905

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Median: -

#905 of 1069 Bottom 15.4% in 100M-500M tier

902

Net Worth Ratio

risk

Value: 9.15%

Peer Median: -

#902 of 1069 Bottom 15.7% in 100M-500M tier

854

Member Growth Rate

growth

Value: -2.86%

Peer Median: -

#854 of 1069 Bottom 20.2% in 100M-500M tier

836

Deposit Growth Rate

growth

Value: 0.86%

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier

812

Asset Growth Rate

growth

Value: 1.61%

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier