BlastPoint's Credit Union Scorecard
WESTERN COOPERATIVE
Charter #61758 · ND
WESTERN COOPERATIVE has 8 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 64.0% in tier
- + Relationship Depth Leader: Top 76.6% 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
- - 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
|
68% |
| 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
|
84% |
| 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 |
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| 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
|
83% |
| 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
|
49% |
| 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
|
20% |
| 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
|
50% |
| Indirect Auto % |
4.6%
-3.5% YoY-4.1% QoQ
|
-9.4% |
14.0%
-5.7% YoY
|
1.1%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)