BlastPoint's Credit Union Scorecard

WEST-AIRCOMM

Charter #6233 · PA

1069 CUs in 100M-500M nationally 61 in PA

WEST-AIRCOMM has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

PA Analysis

How does PA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 88.2% in tier
+ ROA 0.23% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 7.8% in tier
- Indirect Auto Dependency: Bottom 66.7% in tier
- Shrinking Wallet Share: Bottom 76.3% in tier
- Delinquency rate 1.46% above tier average
- Total Delinquency Rate (60+ days): Bottom 5.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Members	21,822 +0.5% YoY-0.1% QoQ	+6.4K	15,437 -2.9% YoY	17,996 +7.1% YoY	33,374 +5.7% YoY	81%
Assets	$366.3M +2.4% YoY+0.4% QoQ	+$134.4M	$231.9M +1.3% YoY	$296.9M +12.6% YoY	$561.6M +9.7% YoY	85%
Loans	$255.0M -5.1% YoY-2.0% QoQ	+$107.7M	$147.3M -0.1% YoY	$199.3M +10.4% YoY	$397.0M +8.8% YoY	Top 13.1% in tier
Deposits	$324.3M +2.7% YoY+0.7% QoQ	+$123.5M	$200.8M +0.8% YoY	$254.8M +12.3% YoY	$477.3M +9.7% YoY	Top 14.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.0% +56.4% YoY-13.0% QoQ	+0.2%	0.8% +18.2% YoY	0.6% -8.3% YoY	0.7% +15.9% YoY	68%
NIM	3.6% +9.8% YoY+1.0% QoQ	-0.0%	3.6% +6.7% YoY	3.5% +3.8% YoY	3.8% +5.1% YoY	48%
Efficiency Ratio	63.7% +0.5% YoY-0.6% QoQ	-13.3%	77.0% -3.1% YoY	76.7% -2.4% YoY	79.7% -3.3% YoY	Bottom 12.4% in tier
Delinquency Rate	2.4% +57.5% YoY+11.5% QoQ	+1.5	0.9% +4.2% YoY	1.3% -10.1% YoY	1.3% -2.1% YoY	Top 5.0% in tier
Loan To Share	78.6% -7.6% YoY-2.7% QoQ	+6.4%	72.2% -1.1% YoY	54.3% -3.4% YoY	67.4% -1.7% YoY	60%
AMR	$26,548 -1.4% YoY-0.3% QoQ	+$2K	$24,676 +3.4% YoY	$16,567 +4.7% YoY	$19,687 +2.0% YoY	70%
CD Concentration	35.4% -3.4% YoY-2.7% QoQ	+11.0%	24.4%	15.5%	19.8%	50%
Indirect Auto %	29.9% +0.4% YoY-0.1% QoQ	+16.1%	13.8%	8.1%	7.8%	50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#525 of 595 • Top 88.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.51%

(Tier: 0.69%, National: 4.32%)

but worse than tier avg

Return on Assets: 1.00%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 29.87%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#56 of 705 • Bottom 7.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.86% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#338 of 506 • Bottom 66.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.37%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 29.87%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.51%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#159 of 208 • Bottom 76.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -1.38%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

134

Efficiency Ratio

profitability

Value: 63.71%

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

140

Total Loans

balance_sheet

Value: $255.01M

Peer Median: -

#140 of 1069 Top 13.0% in 100M-500M tier

154

Total Deposits

balance_sheet

Value: $324.31M

Peer Median: -

#154 of 1069 Top 14.3% in 100M-500M tier

165

Total Assets

balance_sheet

Value: $366.30M

Peer Median: -

#165 of 1069 Top 15.3% in 100M-500M tier

195

Members Per Employee (MPE)

engagement

Value: 404.111

Peer Median: -

#195 of 1069 Top 18.1% in 100M-500M tier

205

Total Members

engagement

Value: 21,822

Peer Median: -

#205 of 1069 Top 19.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1017

Total Delinquency Rate (60+ days)

risk

Value: 2.35%

Peer Median: -

#1017 of 1069 Bottom 5.0% in 100M-500M tier

950

Loan Growth Rate

growth

Value: -5.07%

Peer Median: -

#950 of 1069 Bottom 11.2% in 100M-500M tier

939

AMR Growth Rate

growth

Value: -1.38%

Peer Median: -

#939 of 1069 Bottom 12.3% in 100M-500M tier

924

Share Certificate Concentration (%)

balance_sheet

Value: 35.42%

Peer Median: -

#924 of 1069 Bottom 13.7% in 100M-500M tier

903

Indirect Auto Concentration (%)

balance_sheet

Value: 29.87%

Peer Median: -

#903 of 1069 Bottom 15.6% in 100M-500M tier