BlastPoint's Credit Union Scorecard
WESTACRES
Charter #62316 · MI
WESTACRES has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.46% below tier average
- - Efficiency ratio 9.00% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Fee Income Per Member: Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 4.7% in tier
- - Members Per Employee (MPE): Bottom 6.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
569
-2.6% YoY-3.1% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
35,710
+6.8% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$6.9M
-1.1% YoY-1.9% QoQ
|
$-23.2M |
$30.1M
+2.1% YoY
|
$674.6M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
25% |
| Loans |
$1.2M
-14.3% YoY-16.4% QoQ
|
$-14.6M |
$15.8M
-1.3% YoY
|
$472.4M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 12.2% in tier |
| Deposits |
$5.8M
-2.1% YoY-2.6% QoQ
|
$-19.9M |
$25.7M
+1.4% YoY
|
$573.0M
+13.1% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.2%
+52.5% YoY-83.6% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.9%
-8.5% YoY
|
0.7%
+15.9% YoY
|
23% |
| NIM |
1.9%
+24.0% YoY-16.5% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.8%
+7.8% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio |
91.6%
-1.7% YoY+60.5% QoQ
|
+9.0% |
82.6%
-2.3% YoY
|
75.4%
-1.6% YoY
|
79.7%
-3.3% YoY
|
78% |
| Delinquency Rate |
0.0%
-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
0.9%
-8.5% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
19.8%
-12.5% YoY-14.2% QoQ
|
-40.8% |
60.6%
-3.1% YoY
|
67.1%
-0.1% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.6% in tier |
| AMR |
$12,239
-1.8% YoY-2.2% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$22,475
+5.7% YoY
|
$19,687
+2.0% YoY
|
41% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.8% | 7.8% | 50% |
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)