BlastPoint's Credit Union Scorecard
WEST METRO SCHOOLS
Charter #62726 · MN
WEST METRO SCHOOLS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.35% above tier average
- - Share Certificate Concentration (%): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,614
-1.1% YoY-0.0% QoQ
|
-1 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
62% |
| Assets |
$41.0M
+1.4% YoY+0.5% QoQ
|
+$10.8M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$20.2M
-6.4% YoY-3.0% QoQ
|
+$4.5M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$33.0M
+0.6% YoY+0.0% QoQ
|
+$7.3M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
68% |
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| ROA |
0.8%
+15.3% YoY-11.2% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.9%
+7.4% YoY+3.3% QoQ
|
-0.0% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
75.3%
-0.5% YoY+4.8% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
39% |
| Delinquency Rate |
2.9%
+75.1% YoY+2.2% QoQ
|
+1.3 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
Top 13.5% in tier |
| Loan To Share |
61.2%
-7.0% YoY-3.1% QoQ
|
+0.6% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$20,364
-1.0% YoY-1.1% QoQ
|
+$6K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
43.0%
+8.4% YoY+6.8% QoQ
|
+18.5% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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)