BlastPoint's Credit Union Scorecard
DOW GREAT WESTERN
Charter #64503 · CA
DOW GREAT WESTERN has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 1.9% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.01% below tier average
- - Efficiency ratio 4.23% above tier (higher cost structure)
- - Member decline: -4.1% YoY
- - Net Worth Ratio: Bottom 6.1% in tier
- - Indirect Auto Concentration (%): Bottom 6.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,922
-4.1% YoY-4.2% QoQ
|
-754 |
2,676
+1.6% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
50% |
| Assets |
$48.2M
+2.1% YoY-0.4% QoQ
|
+$18.0M |
$30.2M
+1.3% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
76% |
| Loans |
$22.4M
+4.8% YoY+17.3% QoQ
|
+$7.1M |
$15.3M
-2.0% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
74% |
| Deposits |
$45.2M
+3.6% YoY+1.2% QoQ
|
+$19.4M |
$25.8M
+0.7% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
79% |
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| ROA |
-0.9%
+540.3% YoY-6.6% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.3% in tier |
| NIM |
2.7%
-23.4% YoY+7.7% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio |
94.9%
+5.2% YoY-18.3% QoQ
|
+4.2% |
90.6%
+6.5% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.6%
-13.0% YoY-23.9% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
48% |
| Loan To Share |
49.6%
+1.2% YoY+15.9% QoQ
|
-8.9% |
58.5%
-3.0% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
36% |
| AMR |
$35,150
+8.5% YoY+10.7% QoQ
|
+$20K |
$14,884
-1.7% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 2.0% in tier |
| CD Concentration |
33.3%
+3.1% YoY-2.0% QoQ
|
+9.1% | 24.3% | 21.6% | 19.8% | 50% |
| Indirect Auto % |
15.0%
-8.0% YoY-22.9% QoQ
|
+1.2% | 13.8% | 9.0% | 7.7% | 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)