BlastPoint's Credit Union Scorecard
WESTERN COOPERATIVE
Charter #61758 · ND
Community
500M-750M
165 CUs in 500M-750M nationally
1 in ND
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WESTERN COOPERATIVE has 6 strengths but faces 9 concerns
National Analysis
How does the industry compare?
Community Tier
What's your peer group doing?
ND Analysis
How does ND stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Net Interest Margin 0.18% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 1.8% in tier
- + Net Charge-Off Rate: Top 7.9% in tier
- + Average Member Relationship (AMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.4% in tier
- - Delinquency rate 1.44% above tier average
- - Members Per Employee (MPE): Bottom 0.6% in tier
- - Total Assets: Bottom 1.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 3.0% in tier
- - Total Members: Bottom 3.0% in tier
- - Total Deposits: Bottom 4.2% in tier
- - Total Loans: Bottom 4.2% in tier
- - Loan-to-Share Ratio: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,169
-0.1% YoY-0.3% QoQ
|
-20.4K |
38,575
-4.8% YoY
|
7,403
+0.2% YoY
|
33,374
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$501.1M
+4.2% YoY+0.7% QoQ
|
$-120.6M |
$621.7M
+0.1% YoY
|
$203.1M
+5.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 0.6% in tier |
| Loans |
$233.4M
-2.3% YoY-1.9% QoQ
|
$-196.4M |
$429.8M
-1.8% YoY
|
$138.6M
+3.3% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.6% in tier |
| Deposits |
$432.9M
+1.0% YoY-0.4% QoQ
|
$-105.8M |
$538.7M
+0.6% YoY
|
$169.6M
+4.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.6% in tier |
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| ROA |
1.4%
-14.6% YoY+3.3% QoQ
|
+0.7% |
0.7%
+42.9% YoY
|
0.8%
+5.9% YoY
|
0.7%
+15.9% YoY
|
Top 7.9% in tier |
| NIM |
3.6%
+1.1% YoY+1.4% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.3%
+8.5% YoY
|
3.8%
+5.1% YoY
|
66% |
| Efficiency Ratio |
66.9%
+5.2% YoY-0.9% QoQ
|
-10.6% |
77.5%
-4.1% YoY
|
75.8%
-12.1% YoY
|
79.7%
-3.3% YoY
|
Bottom 10.3% in tier |
| Delinquency Rate |
2.3%
-23.7% YoY-0.6% QoQ
|
+1.4 |
0.8%
-1.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
-2.1% YoY
|
Top 3.0% in tier |
| Loan To Share |
53.9%
-3.3% YoY-1.5% QoQ
|
-25.9% |
79.8%
-2.3% YoY
|
70.8%
-2.6% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.5% in tier |
| AMR |
$36,673
-0.1% YoY-0.6% QoQ
|
+$10K |
$26,849
+2.7% YoY
|
$32,845
+1.7% YoY
|
$19,687
+2.0% YoY
|
Top 9.7% in tier |
| CD Concentration |
6.5%
-26.7% YoY-21.2% QoQ
|
-18.0% | 24.4% | 22.6% | 19.8% | Bottom 4.9% in tier |
| Indirect Auto % |
4.8%
+0.8% YoY+4.7% QoQ
|
-9.0% | 13.8% | 1.1% | 7.8% | 44% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#21 of 123 • Bottom 16.4% in tier
Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Why This Signature
Return on Assets:
1.37%
(Tier:
0.75%, National:
0.67%)
ROA (Prior Year):
1.60%
(Tier:
0.63%, National:
0.62%)
ROA Change (YoY):
-0.23% points
(Tier:
0.11% points, National:
0.02% points)
123 of 282 Community CUs have this signature |
145 nationally
→ No prior data (123 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)
Top Strengths (7 metrics)
1
Share Certificate Concentration (%)
balance_sheet
Value:
6.47%
Peer Median: -
#1 of 165
Top 0.0% in 500M-750M tier
4
First Mortgage Concentration (%)
balance_sheet
Value:
9.59%
Peer Median: -
#4 of 165
Top 1.8% in 500M-750M tier
13
Return on Assets (ROA)
profitability
Value:
1.37%
Peer Median: -
#13 of 165
Top 7.3% in 500M-750M tier
14
Net Charge-Off Rate
risk
Value:
0.09%
Peer Median: -
#14 of 165
Top 7.9% in 500M-750M tier
16
Average Member Relationship (AMR)
engagement
Value:
$36,673
Peer Median: -
#16 of 165
Top 9.1% in 500M-750M tier
18
Efficiency Ratio
profitability
Value:
66.94%
Peer Median: -
#18 of 165
Top 10.3% in 500M-750M tier
19
Net Worth Ratio
risk
Value:
14.14%
Peer Median: -
#19 of 165
Top 10.9% in 500M-750M tier
Top Weaknesses (10 metrics)
165
Members Per Employee (MPE)
engagement
Value:
181.690
Peer Median: -
#165 of 165
Bottom 0.6% in 500M-750M tier
164
Total Assets
balance_sheet
Value:
$501.14M
Peer Median: -
#164 of 165
Bottom 1.2% in 500M-750M tier
161
Total Delinquency Rate (60+ days)
risk
Value:
2.28%
Peer Median: -
#161 of 165
Bottom 3.0% in 500M-750M tier
161
Total Members
engagement
Value:
18,169
Peer Median: -
#161 of 165
Bottom 3.0% in 500M-750M tier
159
Total Deposits
balance_sheet
Value:
$432.88M
Peer Median: -
#159 of 165
Bottom 4.2% in 500M-750M tier
159
Total Loans
balance_sheet
Value:
$233.44M
Peer Median: -
#159 of 165
Bottom 4.2% in 500M-750M tier
156
Loan-to-Share Ratio
balance_sheet
Value:
53.93%
Peer Median: -
#156 of 165
Bottom 6.1% in 500M-750M tier
138
Loan Growth Rate
growth
Value:
-2.31%
Peer Median: -
#138 of 165
Bottom 17.0% in 500M-750M tier
134
Deposit Growth Rate
growth
Value:
1.01%
Peer Median: -
#134 of 165
Bottom 19.4% in 500M-750M tier
132
AMR Growth Rate
growth
Value:
-0.09%
Peer Median: -
#132 of 165
Bottom 20.6% in 500M-750M tier