BlastPoint's Credit Union Scorecard
DOW GREAT WESTERN
Charter #64503 · CA
DOW GREAT WESTERN has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 3.0% in tier
- + Fee Income Per Member: Top 3.9% in tier
- + Loan-to-Member Ratio (LMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.63% below tier average
- - Efficiency ratio 30.26% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Net Interest Margin (NIM): Bottom 3.7% in tier
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
- - Net Worth Ratio: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,018
-2.8% YoY+0.3% QoQ
|
-607 |
2,625
-2.2% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
51% |
| Assets |
$47.7M
-0.9% YoY-0.2% QoQ
|
+$17.8M |
$29.9M
+1.1% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$20.2M
-14.0% YoY-2.4% QoQ
|
+$4.4M |
$15.8M
-2.4% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
70% |
| Deposits |
$44.2M
-0.3% YoY+0.3% QoQ
|
+$18.8M |
$25.5M
+0.4% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
78% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.9%
+47.4% YoY+354.6% QoQ
|
-1.6% |
0.7%
-731.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 5.7% in tier |
| NIM |
2.0%
-9.7% YoY-39.3% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
111.7%
+8.2% YoY+24.5% QoQ
|
+30.3% |
81.4%
-2.4% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 5.9% in tier |
| Delinquency Rate |
1.2%
+11.7% YoY+13.4% QoQ
|
-0.3 |
1.5%
-2.0% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
66% |
| Loan To Share |
45.7%
-13.7% YoY-2.8% QoQ
|
-15.6% |
61.2%
-3.0% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
26% |
| AMR |
$31,935
-2.3% YoY-0.9% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 3.0% in tier |
| CD Concentration |
31.8%
+5.4% YoY+0.8% QoQ
|
+7.4% |
24.4%
+4.2% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
21.8%
-20.3% YoY-4.0% QoQ
|
+7.8% |
14.0%
-5.7% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)