BlastPoint's Credit Union Scorecard
WEST COMMUNITY
Charter #62801 · MO
WEST COMMUNITY has 7 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.86% above tier average
- + Total Assets: Top 0.1% in tier
- + Total Loans: Top 0.1% in tier
- + Total Deposits: Top 1.3% in tier
- + Loan-to-Share Ratio: Top 2.6% in tier
- + Total Members: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Efficiency ratio 0.55% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Net Worth Ratio: Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,303
-0.4% YoY+0.1% QoQ
|
+17.2K |
15,145
-2.5% YoY
|
15,395
-0.3% YoY
|
33,913
+5.7% YoY
|
Top 4.8% in tier |
| Assets |
$498.8M
+3.1% YoY+1.5% QoQ
|
+$267.1M |
$231.7M
+0.8% YoY
|
$217.9M
+8.5% YoY
|
$578.3M
+9.0% YoY
|
Top 0.1% in tier |
| Loans |
$409.4M
+0.9% YoY-0.3% QoQ
|
+$265.2M |
$144.1M
+0.2% YoY
|
$149.6M
+7.9% YoY
|
$402.4M
+8.7% YoY
|
Top 0.1% in tier |
| Deposits |
$422.1M
+2.2% YoY+1.4% QoQ
|
+$221.0M |
$201.1M
+0.4% YoY
|
$190.9M
+9.2% YoY
|
$494.3M
+9.1% YoY
|
Top 1.4% in tier |
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| ROA |
0.8%
+163.5% YoY+64.1% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
-0.4%
-263.3% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
4.5%
+5.7% YoY+3.6% QoQ
|
+0.9% |
3.6%
+4.6% YoY
|
3.9%
+2.8% YoY
|
3.8%
+4.1% YoY
|
Top 10.1% in tier |
| Efficiency Ratio |
78.6%
-1.7% YoY+2.9% QoQ
|
+0.6% |
78.0%
-1.7% YoY
|
82.5%
-4.9% YoY
|
84.6%
+2.8% YoY
|
50% |
| Delinquency Rate |
1.0%
-16.4% YoY-8.2% QoQ
|
+0.3 |
0.8%
+7.1% YoY
|
1.1%
+7.9% YoY
|
1.2%
+3.4% YoY
|
78% |
| Loan To Share |
97.0%
-1.3% YoY-1.7% QoQ
|
+26.6% |
70.4%
-0.4% YoY
|
68.7%
-4.0% YoY
|
65.6%
-1.4% YoY
|
Top 2.7% in tier |
| AMR |
$25,742
+2.0% YoY+0.5% QoQ
|
+$824 |
$24,918
+2.7% YoY
|
$17,151
+1.8% YoY
|
$19,920
+1.6% YoY
|
65% |
| CD Concentration |
26.3%
-13.0% YoY-8.5% QoQ
|
+2.0% | 24.3% | 18.1% | 19.8% | 50% |
| Indirect Auto % |
17.7%
-9.7% YoY-2.6% QoQ
|
+3.9% | 13.8% | 9.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)