BlastPoint's Credit Union Scorecard
WESTERN COOPERATIVE
Charter #61758 · ND
WESTERN COOPERATIVE has 5 strengths but faces 6 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.71% above tier average
- + Share Certificate Concentration (%): Top 0.1% in tier
- + First Mortgage Concentration (%): Top 1.8% in tier
- + Net Charge-Off Rate: Top 6.0% in tier
- + Average Member Relationship (AMR): Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.63% above tier average
- - Members Per Employee (MPE): Bottom 0.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Total Members: Bottom 3.0% in tier
- - Total Loans: Bottom 4.8% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ND) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,228
+0.1% YoY+0.3% QoQ
|
-19.9K |
38,079
-4.8% YoY
|
7,403
+0.4% YoY
|
33,913
+5.7% YoY
|
Bottom 2.4% in tier |
| Assets |
$521.5M
+4.3% YoY+4.1% QoQ
|
$-98.2M |
$619.7M
-0.2% YoY
|
$208.9M
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 14.4% in tier |
| Loans |
$225.9M
-1.2% YoY-3.2% QoQ
|
$-193.4M |
$419.3M
-1.4% YoY
|
$139.0M
+4.5% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.2% in tier |
| Deposits |
$453.4M
+2.1% YoY+4.7% QoQ
|
$-86.0M |
$539.5M
-0.1% YoY
|
$173.7M
+3.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 13.8% in tier |
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| ROA |
1.4%
+36.7% YoY+2.6% QoQ
|
+0.7% |
0.7%
+36.0% YoY
|
0.9%
+42.2% YoY
|
0.4%
-39.2% YoY
|
Top 13.2% in tier |
| NIM |
3.5%
+10.3% YoY-3.3% QoQ
|
+0.0% |
3.5%
+4.5% YoY
|
3.4%
+5.6% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
66.3%
-7.3% YoY-1.0% QoQ
|
-12.1% |
78.4%
-3.7% YoY
|
74.3%
-6.4% YoY
|
84.6%
+2.8% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
2.3%
-31.5% YoY+2.2% QoQ
|
+1.6 |
0.7%
-0.9% YoY
|
0.8%
-32.8% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.8% in tier |
| Loan To Share |
49.8%
-3.3% YoY-7.6% QoQ
|
-27.9% |
77.7%
-1.2% YoY
|
68.7%
-2.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.8% in tier |
| AMR |
$37,268
+0.9% YoY+1.6% QoQ
|
+$10K |
$26,927
+3.1% YoY
|
$32,943
+1.9% YoY
|
$19,920
+1.6% YoY
|
Top 9.0% in tier |
| CD Concentration |
6.7%
-24.0% YoY+2.9% QoQ
|
-17.6% | 24.3% | 22.5% | 19.8% | Bottom 4.9% in tier |
| Indirect Auto % |
6.1%
+25.2% YoY+25.2% QoQ
|
-7.7% | 13.8% | 1.1% | 7.7% | 46% |
Signature Analysis
Strengths (0)
Concerns (0)
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)