BlastPoint's Credit Union Scorecard

WEST COMMUNITY

Charter #62801 · MO

Community 500M-750M

West Community at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

West Community is one of 101 credit unions in the 2026 VentureTech card set. We also found West Community's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

West Community

Turn your sound on

Tap a card to see it up close

WEST COMMUNITY
PEER · AT VENTURETECH
PEER · AT VENTURETECH
WEST COMMUNITY'S BIGGEST OPPORTUNITY

165 CUs in 500M-750M nationally 2 in MO

View Community leaderboard →

WEST COMMUNITY has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

MO Analysis

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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

#venturetech-pack #vt-pack-sealed,#venturetech-pack #vt-rip,#venturetech-pack .vt-tabs,#venturetech-pack #vt-panel-fighter,#venturetech-pack #vt-flipall,#venturetech-pack #vt-reseal,#venturetech-pack .vt-soundbtn{display:none!important} #venturetech-pack #vt-opened{display:block!important} #venturetech-pack #vt-cards .vt-card{visibility:visible!important;opacity:1!important;transform:none!important;animation:none!important}

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%

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	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)

No strengths identified

Concerns (1)

Indirect Auto Dependency

risk

#360 of 476 • Bottom 0.8% in tier

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

Why This Signature

Asset Growth (YoY): 32.63%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 15.02%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 29.13%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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 165 peers in tier

Top Strengths (7 metrics)

Member Growth Rate

growth

Value: 29.13%

Peer Median: 0.59%

#2 of 165 Top 0.6% in 500M-750M tier

Deposit Growth Rate

growth

Value: 38.75%

Peer Median: 4.04%

#2 of 165 Top 0.6% in 500M-750M tier

Asset Growth Rate

growth

Value: 32.63%

Peer Median: 4.61%

#3 of 165 Top 1.2% in 500M-750M tier

Loan Growth Rate

growth

Value: 27.46%

Peer Median: 4.82%

#6 of 165 Top 3.0% in 500M-750M tier

Net Interest Margin (NIM)

profitability

Value: 4.55%

Peer Median: 3.55%

#9 of 165 Top 4.8% in 500M-750M tier

Total Loans

balance_sheet

Value: $513.54M

Peer Median: $428.72M

#36 of 165 Top 21.2% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 23.08%

Peer Median: 34.05%

#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (3 metrics)

154

Net Worth Ratio

risk

Value: 8.21%

Peer Median: 10.42%

#154 of 165 Bottom 7.3% in 500M-750M tier

145

Total Delinquency Rate (60+ days)

risk

Value: 1.40%

Peer Median: 0.70%

#145 of 165 Bottom 12.7% in 500M-750M tier

144

Members Per Employee (MPE)

engagement

Value: 243.674

Peer Median: 313.721

#144 of 165 Bottom 13.3% in 500M-750M tier