BlastPoint's Credit Union Scorecard
DOW GREAT WESTERN
Charter #64503 · CA
DOW GREAT WESTERN has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.55% below tier average
- - Efficiency ratio 33.51% above tier (higher cost structure)
- - Member decline: -2.1% YoY
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 6.8% in tier
- - Net Interest Margin (NIM): Bottom 7.5% in tier
- - Loan Growth Rate: Bottom 9.4% in tier
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,007
-2.1% YoY-0.5% QoQ
|
-608 |
2,615
-1.9% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$48.4M
+2.4% YoY+1.5% QoQ
|
+$18.2M |
$30.1M
+2.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
76% |
| Loans |
$19.1M
-15.7% YoY-5.5% QoQ
|
+$3.3M |
$15.8M
-1.3% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$44.6M
+3.0% YoY+0.9% QoQ
|
+$18.9M |
$25.7M
+1.4% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
-0.9%
+165.6% YoY-2.1% QoQ
|
-1.5% |
0.6%
+10.8% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.3% in tier |
| NIM |
2.5%
-14.6% YoY+21.3% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio |
116.1%
+23.6% YoY+4.0% QoQ
|
+33.5% |
82.6%
-2.3% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
Top 4.8% in tier |
| Delinquency Rate |
0.8%
-8.3% YoY-34.4% QoQ
|
-0.8 |
1.6%
-3.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
53% |
| Loan To Share |
42.8%
-18.1% YoY-6.3% QoQ
|
-17.8% |
60.6%
-3.1% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
23% |
| AMR |
$31,748
-1.3% YoY-0.6% QoQ
|
+$17K |
$14,783
-1.4% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
Top 3.5% in tier |
| CD Concentration |
34.0%
+7.6% YoY+6.9% QoQ
|
+9.6% | 24.4% | 21.7% | 19.8% | 50% |
| Indirect Auto % |
19.5%
-24.5% YoY-10.4% QoQ
|
+5.7% | 13.8% | 9.2% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)