BlastPoint's Credit Union Scorecard
WEST COMMUNITY
Charter #62801 · MO
WEST COMMUNITY has 7 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does MO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.16% above tier average
- + Net Interest Margin 1.02% above tier average
- + Strong member growth: 29.1% YoY
- + Member Growth Rate: Top 0.6% in tier
- + Deposit Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 1.2% in tier
- + Loan Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 0.8% in tier
- - Efficiency ratio 0.89% above tier (higher cost structure)
- - Delinquency rate 0.59% above tier average
- - Net Worth Ratio: Bottom 7.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Missouri.
- Shares and deposits +38.8% year over year ($585M in shares and deposits).
- Membership: 41,912 members, +29.1% vs a year ago.
- Delinquency rate 1.40%.
- Return on assets 0.97%.
- Efficiency ratio 77.45% vs a 76.56% peer average.
- Loan-to-share ratio 87.76% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,912
+29.1% YoY+29.7% QoQ
|
+4.0K |
37,897
-5.0% YoY
|
15,766
-0.3% YoY
|
34,678
+6.6% YoY
|
65% |
| Assets |
$656.2M
+32.6% YoY+31.6% QoQ
|
+$33.9M |
$622.4M
+0.6% YoY
|
$225.8M
+8.3% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$513.5M
+27.5% YoY+25.4% QoQ
|
+$85.0M |
$428.5M
-0.7% YoY
|
$157.5M
+9.5% YoY
|
$418.6M
+10.1% YoY
|
78% |
| Deposits |
$585.2M
+38.8% YoY+38.6% QoQ
|
+$45.4M |
$539.8M
+0.9% YoY
|
$197.6M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
73% |
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| ROA |
1.0%
+149.0% YoY+16.6% QoQ
|
+0.2% |
0.8%
+39.5% YoY
|
1.4%
+222.5% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
4.6%
+7.5% YoY+1.5% QoQ
|
+1.0% |
3.5%
+5.0% YoY
|
3.8%
+0.7% YoY
|
3.8%
+2.3% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
77.5%
-0.7% YoY-1.4% QoQ
|
+0.9% |
76.6%
-3.6% YoY
|
83.2%
+2.3% YoY
|
83.0%
-5.3% YoY
|
50% |
| Delinquency Rate |
1.4%
-15.7% YoY+34.3% QoQ
|
+0.6 |
0.8%
+3.1% YoY
|
1.1%
-8.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 12.7% in tier |
| Loan To Share |
87.8%
-8.1% YoY-9.5% QoQ
|
+8.4% |
79.3%
-1.4% YoY
|
69.6%
-2.9% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$26,214
+3.2% YoY+1.8% QoQ
|
$-1K |
$27,294
+4.1% YoY
|
$17,444
+4.9% YoY
|
$20,028
-0.9% YoY
|
55% |
| CD Concentration |
22.9%
-25.1% YoY-12.8% QoQ
|
-1.7% | 24.6% | 18.3% | 20.0% | 44% |
| Indirect Auto % |
15.0%
-22.2% YoY-15.0% QoQ
|
+1.4% | 13.6% | 9.9% | 7.7% | 63% |
Signature Analysis
Strengths (0)
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)