BlastPoint's Credit Union Scorecard
WESTERN COOPERATIVE
Charter #61758 · ND
WESTERN COOPERATIVE has 8 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does ND stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 42.0% in tier
- + Organic Growth Leader: Top 42.0% in tier
- + Relationship Depth Leader: Top 59.8% in tier
- + ROA 0.45% above tier average
- + Share Certificate Concentration (%): Top 0.1% in tier
- + First Mortgage Concentration (%): Top 1.2% in tier
- + Net Charge-Off Rate: Top 4.8% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 45.5% in tier
- - Credit Risk Growth: Bottom 61.1% in tier
- - Delinquency rate 2.36% above tier average
- - Members Per Employee (MPE): Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.2% in tier
- - Total Members: Bottom 3.0% in tier
- - Total Loans: Bottom 4.8% in tier
- - Loan-to-Share Ratio: Bottom 6.1% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in North Dakota.
- Shares and deposits +4.4% year over year ($452M in shares and deposits).
- Membership: 18,383 members, +0.8% vs a year ago.
- Delinquency rate 3.17%.
- Return on assets 1.27%.
- Efficiency ratio 64.88% vs a 76.56% peer average.
- Loan-to-share ratio 52.61% vs a 79.33% 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 (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,383
+0.8% YoY+0.9% QoQ
|
-19.5K |
37,897
-5.0% YoY
|
7,460
+0.8% YoY
|
34,678
+6.6% YoY
|
Bottom 2.4% in tier |
| Assets |
$522.2M
+5.8% YoY+0.1% QoQ
|
$-100.2M |
$622.4M
+0.6% YoY
|
$208.5M
+5.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.9% in tier |
| Loans |
$238.1M
+1.5% YoY+5.4% QoQ
|
$-190.4M |
$428.5M
-0.7% YoY
|
$145.2M
+6.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.2% in tier |
| Deposits |
$452.5M
+4.4% YoY-0.2% QoQ
|
$-87.3M |
$539.8M
+0.9% YoY
|
$172.0M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.7% in tier |
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| ROA |
1.3%
+1.7% YoY-9.6% QoQ
|
+0.4% |
0.8%
+39.5% YoY
|
1.0%
+21.3% YoY
|
1.2%
+121.4% YoY
|
Top 14.5% in tier |
| NIM |
3.6%
+3.5% YoY+2.0% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.5%
+5.1% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
64.9%
-4.3% YoY-2.1% QoQ
|
-11.7% |
76.6%
-3.6% YoY
|
72.1%
-4.3% YoY
|
83.0%
-5.3% YoY
|
Top 11.5% in tier |
| Delinquency Rate |
3.2%
+1.5% YoY+35.8% QoQ
|
+2.4 |
0.8%
+3.1% YoY
|
1.2%
+16.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 1.2% in tier |
| Loan To Share |
52.6%
-2.8% YoY+5.6% QoQ
|
-26.7% |
79.3%
-1.4% YoY
|
70.1%
-2.4% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.5% in tier |
| AMR |
$37,563
+2.5% YoY+0.8% QoQ
|
+$10K |
$27,294
+4.1% YoY
|
$32,936
+2.3% YoY
|
$20,028
-0.9% YoY
|
Top 9.1% in tier |
| CD Concentration |
6.8%
-18.6% YoY+1.8% QoQ
|
-17.8% | 24.6% | 22.7% | 20.0% | Bottom 5.0% in tier |
| Indirect Auto % |
7.1%
+47.7% YoY+17.4% QoQ
|
-6.5% | 13.6% | 1.2% | 7.7% | 49% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)