WESTACRES
Charter #62316 | MI
<100M
(2596 CUs)
Micro
($0-$500M)
61 <100M in MI
WESTACRES has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.31% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.40% above tier average
- - Fee Income Per Member: Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
587
-1.0% YoY+2.8% QoQ
|
-2.0K |
2,625
-2.2% YoY
|
35,456
+8.6% YoY
|
33,089
+6.1% YoY
|
Bottom 15.8% in tier |
| Assets |
$7.1M
+1.7% YoY+1.8% QoQ
|
$-22.8M |
$29.9M
+1.1% YoY
|
$650.8M
+12.6% YoY
|
$547.7M
+7.8% YoY
|
26th in tier |
| Loans |
$1.4M
-7.2% YoY+10.7% QoQ
|
$-14.4M |
$15.8M
-2.4% YoY
|
$461.6M
+14.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.0% in tier |
| Deposits |
$6.0M
+1.2% YoY+1.4% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$550.3M
+12.5% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
1.0%
+124.5% YoY+6.1% QoQ
|
+0.3% |
0.7%
-731.4% YoY
|
0.8%
-27.1% YoY
|
0.7%
+273.4% YoY
|
61st in tier |
| NIM |
2.3%
+37.3% YoY+1.4% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.7%
+8.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.4% in tier |
| Efficiency Ratio |
57.0%
-22.7% YoY-3.3% QoQ
|
-24.4% |
81.4%
-2.4% YoY
|
76.1%
-1.3% YoY
|
79.1%
-3.3% YoY
|
Bottom 11.1% in tier |
| Delinquency Rate | 1.9% | +0.4 |
1.5%
-2.0% YoY
|
0.9%
-19.7% YoY
|
1.2%
-0.9% YoY
|
Top 21.5% in tier |
| Loan To Share |
23.1%
-8.3% YoY+9.2% QoQ
|
-38.2% |
61.2%
-3.0% YoY
|
68.1%
+0.3% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.9% in tier |
| AMR |
$12,513
+0.6% YoY+0.2% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$22,054
+2.5% YoY
|
$19,418
+1.3% YoY
|
43rd in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
18.6%
+6.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.9%
-2.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
289
Efficiency Ratio
profitability
Value:
57.04%
Peer Avg: 81.39%
#289 of 2596
Top 11.1% in <100M tier
Top Weaknesses (8 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: $182.96
#2495 of 2596
Bottom 3.9% in <100M tier
2457
Net Interest Margin (NIM)
profitability
Value:
2.30%
Peer Avg: 3.93%
#2457 of 2596
Bottom 5.4% in <100M tier
2440
Loan-to-Share Ratio
balance_sheet
Value:
23.07%
Peer Avg: 61.23%
#2440 of 2596
Bottom 6.0% in <100M tier
2410
Members Per Employee (MPE)
engagement
Value:
117.400
Peer Avg: 365.701
#2410 of 2596
Bottom 7.2% in <100M tier
2232
Total Loans
balance_sheet
Value:
$1.38M
Peer Avg: $15.77M
#2232 of 2596
Bottom 14.1% in <100M tier
2183
Total Members
engagement
Value:
587
Peer Avg: 2,626
#2183 of 2596
Bottom 15.9% in <100M tier
2167
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,346
Peer Avg: $5,488
#2167 of 2596
Bottom 16.6% in <100M tier
2040
Total Delinquency Rate (60+ days)
risk
Value:
1.91%
Peer Avg: 1.51%
#2040 of 2596
Bottom 21.5% in <100M tier