BlastPoint's Credit Union Scorecard
WESTACRES
Charter #62316 · MI
WESTACRES has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.21% below tier average
- - Member decline: -2.5% YoY
- - Net Interest Margin (NIM): Bottom 2.2% in tier
- - Fee Income Per Member: Bottom 4.0% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
- - Members Per Employee (MPE): Bottom 6.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 56 that size in Michigan.
- Shares and deposits +2.1% year over year ($6.0M in shares and deposits).
- Membership: 557 members, -2.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.28%.
- Efficiency ratio 82.92% vs a 88.77% peer average.
- Loan-to-share ratio 19.01% vs a 58.89% 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 (MI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
557
-2.5% YoY-1.6% QoQ
|
-2.0K |
2,585
-1.7% YoY
|
36,289
+5.9% YoY
|
34,678
+6.6% YoY
|
15% |
| Assets |
$7.1M
+2.2% YoY+2.0% QoQ
|
$-23.2M |
$30.3M
+1.5% YoY
|
$717.2M
+13.9% YoY
|
$593.1M
+10.2% YoY
|
25% |
| Loans |
$1.1M
-8.2% YoY-7.3% QoQ
|
$-14.3M |
$15.5M
-1.7% YoY
|
$498.6M
+13.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.6% in tier |
| Deposits |
$6.0M
+2.1% YoY+1.7% QoQ
|
$-19.8M |
$25.8M
+1.1% YoY
|
$610.4M
+14.2% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.3%
-69.7% YoY-20.5% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+47.3% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
1.7%
-27.2% YoY-6.5% QoQ
|
-2.2% |
3.9%
+0.9% YoY
|
3.8%
+4.4% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
82.9%
+40.6% YoY+3.8% QoQ
|
-5.8% |
88.8%
-6.9% YoY
|
74.6%
-8.6% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.9%
+9.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
19.0%
-10.0% YoY-8.8% QoQ
|
-39.9% |
58.9%
-3.1% YoY
|
66.6%
+0.6% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.7% in tier |
| AMR |
$12,838
+2.8% YoY+1.8% QoQ
|
$-2K |
$14,963
-6.8% YoY
|
$23,154
+6.0% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 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)