WESTERN COOPERATIVE

Charter #61758 | ND

100M-500M (1077 CUs) Micro
9 100M-500M in ND

WESTERN COOPERATIVE has 8 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 10.2% in tier
  • + Wallet Share Momentum: Top 27.5% in tier
  • + ROA 0.53% above tier average
  • + Total Deposits: Top 0.2% in tier
  • + Total Assets: Top 0.3% in tier
  • + Net Charge-Off Rate: Top 4.9% in tier
  • + Average Member Relationship (AMR): Top 7.1% in tier
  • + Share Certificate Concentration (%): Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 3.3% in tier
  • - Credit Quality Pressure: Bottom 3.5% in tier
  • - Liquidity Overhang: Bottom 9.1% in tier
  • - Cost Spiral: Bottom 14.4% in tier
  • - Delinquency rate 1.44% above tier average
  • - Members Per Employee (MPE): Bottom 1.9% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (ND) National Avg Tier Percentile
Members 18,219
+0.0% YoY-0.1% QoQ
 +2.6K 15,628
-3.4% YoY
 7,412
-0.5% YoY
 33,089
+6.1% YoY
 68th in tier
Assets $497.8M
+8.0% YoY+0.9% QoQ
 +$266.5M $231.3M
-0.0% YoY
 $201.0M
+5.9% YoY
 $547.7M
+7.8% YoY
 Top 0.4% in tier
Loans $237.9M
-3.6% YoY+1.4% QoQ
 +$90.1M $147.8M
-1.4% YoY
 $137.9M
+2.5% YoY
 $388.7M
+8.6% YoY
 Top 16.3% in tier
Deposits $434.5M
+6.6% YoY+0.3% QoQ
 +$234.2M $200.3M
-0.0% YoY
 $165.9M
+4.4% YoY
 $464.6M
+9.3% YoY
 Top 0.3% in tier
ROA 1.3%
-24.8% YoY+6.2% QoQ
 +0.5% 0.8%
+15.5% YoY
 0.9%
-6.7% YoY
 0.7%
+273.4% YoY
 Top 16.9% in tier
NIM 3.6%
-1.4% YoY+3.3% QoQ
 -0.0% 3.6%
+6.9% YoY
 3.4%
+7.4% YoY
 3.7%
+5.0% YoY
 49th in tier
Efficiency Ratio 67.5%
+9.1% YoY-0.4% QoQ
 -9.7% 77.3%
-3.0% YoY
 74.0%
-24.8% YoY
 79.1%
-3.3% YoY
 Bottom 20.2% in tier
Delinquency Rate 2.3%
+41.3% YoY-26.3% QoQ
 +1.4 0.9%
+7.6% YoY
 0.9%
-3.9% YoY
 1.2%
-0.9% YoY
 Top 4.5% in tier
Loan To Share 54.8%
-9.6% YoY+1.1% QoQ
 -17.9% 72.7%
-1.5% YoY
 72.0%
-4.4% YoY
 68.0%
-1.7% YoY
 Bottom 14.6% in tier
AMR $36,908
+2.7% YoY+0.8% QoQ
 +$13K $24,363
+2.9% YoY
 $32,427
+3.2% YoY
 $19,418
+1.3% YoY
 Top 7.2% in tier
CD Concentration 8.2%
+25.6% YoY-1.4% QoQ
 -16.2% 24.4%
+4.2% YoY
 22.4%
+2.4% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 4.6%
-3.5% YoY-4.1% QoQ
 -9.3% 14.0%
-5.8% YoY
 1.1%
-2.9% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#282 of 1006 • Top 10.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.69%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $7.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#759 of 1006 • Top 27.5% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.69%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (4)

Margin Compression

decline
#15 of 136 • Bottom 3.3% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.32%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.44% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $497.80M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Credit Quality Pressure

risk
#88 of 736 • Bottom 3.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.67% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Liquidity Overhang

risk
#142 of 552 • Bottom 9.1% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.85%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 54.76%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Cost Spiral

risk
#36 of 62 • Bottom 14.4% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.64% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $497.80M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | 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)

Comparing against 1077 peers in tier

Top Strengths (12 metrics)

3
Total Deposits
balance_sheet
Value: $434.49M
Peer Avg: $200.29M
#3 of 1077 Top 0.2% in 100M-500M tier
4
Total Assets
balance_sheet
Value: $497.80M
Peer Avg: $231.30M
#4 of 1077 Top 0.3% in 100M-500M tier
54
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.47%
#54 of 1077 Top 4.9% in 100M-500M tier
78
Average Member Relationship (AMR)
engagement
Value: $36,908
Peer Avg: $24,363
#78 of 1077 Top 7.1% in 100M-500M tier
88
Share Certificate Concentration (%)
balance_sheet
Value: 8.22%
Peer Avg: 23.61%
#88 of 1077 Top 8.1% in 100M-500M tier
135
First Mortgage Concentration (%)
balance_sheet
Value: 9.90%
Peer Avg: 30.43%
#135 of 1077 Top 12.4% in 100M-500M tier
176
Total Loans
balance_sheet
Value: $237.94M
Peer Avg: $147.80M
#176 of 1077 Top 16.2% in 100M-500M tier
182
Return on Assets (ROA)
profitability
Value: 1.32%
Peer Avg: 0.79%
#182 of 1077 Top 16.8% in 100M-500M tier
187
Loan-to-Member Ratio (LMR)
engagement
Value: $13,060
Peer Avg: $10,245
#187 of 1077 Top 17.3% in 100M-500M tier
214
Asset Growth Rate
growth
Value: 7.96%
Peer Avg: 4.70%
#214 of 1077 Top 19.8% in 100M-500M tier

Top Weaknesses (4 metrics)

1058
Members Per Employee (MPE)
engagement
Value: 178.618
Peer Avg: 332.881
#1058 of 1077 Bottom 1.9% in 100M-500M tier
1029
Total Delinquency Rate (60+ days)
risk
Value: 2.30%
Peer Avg: 0.86%
#1029 of 1077 Bottom 4.5% in 100M-500M tier
920
Loan-to-Share Ratio
balance_sheet
Value: 54.76%
Peer Avg: 72.70%
#920 of 1077 Bottom 14.7% in 100M-500M tier
884
Loan Growth Rate
growth
Value: -3.62%
Peer Avg: 3.45%
#884 of 1077 Bottom 18.0% in 100M-500M tier