BlastPoint's Credit Union Scorecard

WEST METRO SCHOOLS

Charter #62726 · MN

<100M

2508 CUs in <100M nationally 38 in MN

WEST METRO SCHOOLS has 1 strength but faces 2 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.52% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 1.28% above tier average
- Share Certificate Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	2,592 -1.6% YoY-0.8% QoQ	-84	2,676 +1.6% YoY	22,507 -13.7% YoY	33,913 +5.7% YoY	62%
Assets	$43.1M +1.3% YoY+5.2% QoQ	+$12.9M	$30.2M +1.3% YoY	$434.0M -15.1% YoY	$578.3M +9.0% YoY	72%
Loans	$20.2M -5.7% YoY+0.0% QoQ	+$4.9M	$15.3M -2.0% YoY	$293.6M -17.5% YoY	$402.4M +8.7% YoY	71%
Deposits	$35.2M +0.9% YoY+6.7% QoQ	+$9.5M	$25.8M +0.7% YoY	$364.1M -13.5% YoY	$494.3M +9.1% YoY	70%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.7% +0.0% YoY-14.9% QoQ	+0.5%	0.1% -77.6% YoY	0.2% -92.6% YoY	0.4% -39.2% YoY	53%
NIM	3.5% -1.5% YoY-10.8% QoQ	-0.5%	4.0% +4.0% YoY	3.7% +5.4% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	77.0% -1.1% YoY+2.2% QoQ	-13.6%	90.6% +6.5% YoY	102.0% +29.5% YoY	84.6% +2.8% YoY	39%
Delinquency Rate	2.8% +64.3% YoY-4.2% QoQ	+1.3	1.5% +3.8% YoY	0.8% -5.2% YoY	1.2% +3.4% YoY	Bottom 12.6% in tier
Loan To Share	57.4% -6.5% YoY-6.3% QoQ	-1.1%	58.5% -3.0% YoY	73.2% -2.1% YoY	65.6% -1.4% YoY	48%
AMR	$21,393 -0.0% YoY+5.1% QoQ	+$7K	$14,884 -1.7% YoY	$24,012 +4.3% YoY	$19,920 +1.6% YoY	82%
CD Concentration	43.0% +15.5% YoY+0.0% QoQ	+18.7%	24.3%	22.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	6.4%	7.7%	50%

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

439

Average Member Relationship (AMR)

engagement

Value: $21,393

Peer Median: $13,926

#439 of 2508 Top 17.5% in <100M tier

469

Loan-to-Member Ratio (LMR)

engagement

Value: $7,800

Peer Median: $4,923

#469 of 2508 Top 18.7% in <100M tier

593

Members Per Employee (MPE)

engagement

Value: 432.000

Peer Median: 333.750

#593 of 2508 Top 23.6% in <100M tier

Top Weaknesses (2 metrics)

2359

Share Certificate Concentration (%)

balance_sheet

Value: 42.98%

Peer Median: 12.45%

#2359 of 2508 Bottom 6.0% in <100M tier

2193

Total Delinquency Rate (60+ days)

risk

Value: 2.78%

Peer Median: 0.65%

#2193 of 2508 Bottom 12.6% in <100M tier