BlastPoint's Credit Union Scorecard
WESTACRES
Charter #62316 · MI
WESTACRES has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.21% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.4% YoY
- - Net Interest Margin (NIM): Bottom 2.8% in tier
- - Fee Income Per Member: Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 5.6% in tier
- - Members Per Employee (MPE): Bottom 7.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
566
-3.4% YoY-0.5% QoQ
|
-2.1K |
2,676
+1.6% YoY
|
36,022
+6.3% YoY
|
33,913
+5.7% YoY
|
15% |
| Assets |
$6.9M
-0.6% YoY+0.3% QoQ
|
$-23.2M |
$30.2M
+1.3% YoY
|
$705.1M
+14.1% YoY
|
$578.3M
+9.0% YoY
|
25% |
| Loans |
$1.2M
-3.5% YoY+7.0% QoQ
|
$-14.0M |
$15.3M
-2.0% YoY
|
$480.6M
+13.6% YoY
|
$402.4M
+8.7% YoY
|
Bottom 13.2% in tier |
| Deposits |
$5.9M
-1.3% YoY+1.6% QoQ
|
$-19.9M |
$25.8M
+0.7% YoY
|
$601.5M
+14.1% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
0.4%
-55.9% YoY+119.1% QoQ
|
+0.2% |
0.1%
-77.6% YoY
|
0.9%
+85.7% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
1.8%
-18.5% YoY-8.0% QoQ
|
-2.2% |
4.0%
+4.0% YoY
|
3.7%
+3.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.8% in tier |
| Efficiency Ratio |
79.9%
+27.1% YoY-12.7% QoQ
|
-10.7% |
90.6%
+6.5% YoY
|
75.8%
-7.1% YoY
|
84.6%
+2.8% YoY
|
46% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.7%
-7.8% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
20.9%
-2.2% YoY+5.3% QoQ
|
-37.7% |
58.5%
-3.0% YoY
|
65.1%
-0.0% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.5% in tier |
| AMR |
$12,615
+1.8% YoY+3.1% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$22,971
+5.9% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 18.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 11.7% | 7.7% | 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)