BlastPoint's Credit Union Scorecard
WEST METRO SCHOOLS
Charter #62726 ยท MN
2596 CUs in <100M nationally
38 in MN
WEST METRO SCHOOLS has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.33% above tier average
- - Share Certificate Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,615
-1.8% YoY+0.2% QoQ
|
-10 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$40.7M
+1.6% YoY-4.9% QoQ
|
+$10.9M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
70% |
| Loans |
$20.8M
-6.0% YoY-2.1% QoQ
|
+$5.1M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$33.0M
+1.4% YoY-6.1% QoQ
|
+$7.5M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
68% |
| ROA |
0.9%
+10.4% YoY+14.2% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
56% |
| NIM |
3.8%
+5.8% YoY+4.6% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
47% |
| Efficiency Ratio |
71.9%
-1.6% YoY-1.6% QoQ
|
-9.5% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
2.8%
+46.9% YoY+93.8% QoQ
|
+1.3 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
Top 12.9% in tier |
| Loan To Share |
63.2%
-7.3% YoY+4.2% QoQ
|
+1.9% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$20,594
+0.2% YoY-4.7% QoQ
|
+$6K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
40.2%
-0.9% YoY+3.2% QoQ
|
+15.8% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
469
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,973
Peer Avg: $5,488
#469 of 2596
Top 18.0% in <100M tier
473
Average Member Relationship (AMR)
engagement
Value:
$20,594
Peer Avg: $14,627
#473 of 2596
Top 18.2% in <100M tier
Top Weaknesses (2 metrics)
2413
Share Certificate Concentration (%)
balance_sheet
Value:
40.21%
Peer Avg: 15.37%
#2413 of 2596
Bottom 7.1% in <100M tier
2261
Total Delinquency Rate (60+ days)
risk
Value:
2.84%
Peer Avg: 1.51%
#2261 of 2596
Bottom 12.9% in <100M tier