BlastPoint's Credit Union Scorecard

WEST COMMUNITY

Charter #62801 · MO

1069 CUs in 100M-500M nationally 24 in MO

WEST COMMUNITY has 6 strengths but faces 6 concerns

National Analysis

How does the industry compare?

MO Analysis

How does MO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.73% above tier average
+ Total Loans: Top 0.0% in tier
+ Total Assets: Top 0.9% in tier
+ Total Deposits: Top 2.1% in tier
+ Loan-to-Share Ratio: Top 3.4% in tier
+ Total Members: Top 5.1% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 45.8% in tier
- Flatlined Growth: Bottom 77.5% in tier
- Indirect Auto Dependency: Bottom 94.1% in tier
- ROA 0.25% below tier average
- Delinquency rate 0.24% above tier average
- Net Worth Ratio: Bottom 8.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Members	32,286 -0.4% YoY-0.4% QoQ	+16.8K	15,437 -2.9% YoY	15,911 +2.9% YoY	33,374 +5.7% YoY	Top 5.2% in tier
Assets	$491.3M +1.7% YoY+0.0% QoQ	+$259.4M	$231.9M +1.3% YoY	$212.3M +9.5% YoY	$561.6M +9.7% YoY	Top 1.0% in tier
Loans	$410.5M +0.9% YoY+1.3% QoQ	+$263.2M	$147.3M -0.1% YoY	$149.4M +8.7% YoY	$397.0M +8.8% YoY	Top 0.1% in tier
Deposits	$416.3M +4.7% YoY-0.1% QoQ	+$215.5M	$200.8M +0.8% YoY	$185.2M +10.6% YoY	$477.3M +9.7% YoY	Top 2.2% in tier

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	0.5% +55.9% YoY+2.5% QoQ	-0.3%	0.8% +18.2% YoY	0.7% +53.7% YoY	0.7% +15.9% YoY	32%
NIM	4.3% +11.5% YoY+1.4% QoQ	+0.7%	3.6% +6.7% YoY	3.8% +3.0% YoY	3.8% +5.1% YoY	Top 13.5% in tier
Efficiency Ratio	76.3% -8.3% YoY-0.6% QoQ	-0.7%	77.0% -3.1% YoY	77.6% -5.0% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	1.1% -22.8% YoY-2.9% QoQ	+0.2	0.9% +4.2% YoY	1.3% +20.7% YoY	1.3% -2.1% YoY	76%
Loan To Share	98.6% -3.7% YoY+1.4% QoQ	+26.4%	72.2% -1.1% YoY	71.1% -4.0% YoY	67.4% -1.7% YoY	Top 3.5% in tier
AMR	$25,608 +3.1% YoY+1.0% QoQ	+$932	$24,676 +3.4% YoY	$16,896 +3.0% YoY	$19,687 +2.0% YoY	66%
CD Concentration	28.7% -9.5% YoY-6.3% QoQ	+4.3%	24.4%	18.2%	19.8%	50%
Indirect Auto %	18.2% -2.5% YoY-3.7% QoQ	+4.4%	13.8%	10.0%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Liquidity Strain

risk

#105 of 228 • Bottom 45.8% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 98.62%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 0.86%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank worsening

Flatlined Growth

risk

#32 of 41 • Bottom 77.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.66%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.51%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 1069 Mid-Small & Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Indirect Auto Dependency

risk

#476 of 506 • Bottom 94.1% in tier

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

Why This Signature

Asset Growth (YoY): 1.66%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 18.15%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -0.36%

(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

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 (9 metrics)

Total Loans

balance_sheet

Value: $410.51M

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $491.25M

Peer Median: -

#11 of 1069 Top 0.9% in 100M-500M tier

Total Deposits

balance_sheet

Value: $416.27M

Peer Median: -

#23 of 1069 Top 2.1% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 98.62%

Peer Median: -

#37 of 1069 Top 3.4% in 100M-500M tier

Total Members

engagement

Value: 32,286

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

144

Net Interest Margin (NIM)

profitability

Value: 4.33%

Peer Median: -

#144 of 1069 Top 13.4% in 100M-500M tier

214

Loan-to-Member Ratio (LMR)

engagement

Value: $12,715

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

247

Fee Income Per Member

profitability

Value: $220.64

Peer Median: -

#247 of 1069 Top 23.0% in 100M-500M tier

268

First Mortgage Concentration (%)

balance_sheet

Value: 17.54%

Peer Median: -

#268 of 1069 Top 25.0% in 100M-500M tier

Top Weaknesses (4 metrics)

983

Net Worth Ratio

risk

Value: 8.52%

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

911

Net Charge-Off Rate

risk

Value: 0.81%

Peer Median: -

#911 of 1069 Bottom 14.9% in 100M-500M tier

812

Total Delinquency Rate (60+ days)

risk

Value: 1.13%

Peer Median: -

#812 of 1069 Bottom 24.1% in 100M-500M tier

808

Asset Growth Rate

growth

Value: 1.66%

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier