WESTERRA
Charter #65788 | CO
WESTERRA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 25.5% in tier
- + Organic Growth Engine: Top 30.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.5% in tier
- - Shrinking Wallet Share: Bottom 18.8% in tier
- - ROA 0.36% below tier average
- - Efficiency ratio 5.95% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
115,824
+2.0% YoY+1.5% QoQ
|
+17.1K |
98,678
-1.9% YoY
|
38,063
+8.0% YoY
|
33,089
+6.1% YoY
|
69th in tier |
| Assets |
$2.1B
-0.9% YoY-1.2% QoQ
|
+$382.0M |
$1.7B
+0.5% YoY
|
$678.0M
+7.3% YoY
|
$547.7M
+7.8% YoY
|
71st in tier |
| Loans |
$1.4B
+0.2% YoY-2.2% QoQ
|
+$195.3M |
$1.2B
+0.5% YoY
|
$529.4M
+8.0% YoY
|
$388.7M
+8.6% YoY
|
69th in tier |
| Deposits |
$1.7B
-0.3% YoY-0.0% QoQ
|
+$228.4M |
$1.5B
+1.3% YoY
|
$571.8M
+9.1% YoY
|
$464.6M
+9.3% YoY
|
69th in tier |
| ROA |
0.3%
+36.1% YoY-39.2% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.5%
+8.5% YoY
|
0.7%
+273.4% YoY
|
Bottom 18.4% in tier |
| NIM |
3.2%
+8.7% YoY+0.3% QoQ
|
-0.1% |
3.3%
+9.3% YoY
|
3.6%
+3.7% YoY
|
3.7%
+5.0% YoY
|
40th in tier |
| Efficiency Ratio |
79.9%
-5.3% YoY+2.8% QoQ
|
+6.0% |
74.0%
-10.9% YoY
|
80.6%
-2.6% YoY
|
79.1%
-3.3% YoY
|
72nd in tier |
| Delinquency Rate |
0.5%
+23.2% YoY+16.1% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
+6.2% YoY
|
1.2%
-0.9% YoY
|
34th in tier |
| Loan To Share |
84.9%
+0.5% YoY-2.2% QoQ
|
-0.3% |
85.2%
-0.8% YoY
|
72.9%
-3.4% YoY
|
68.0%
-1.7% YoY
|
41st in tier |
| AMR |
$26,860
-2.0% YoY-2.5% QoQ
|
$-2K |
$29,172
+2.8% YoY
|
$22,866
+4.1% YoY
|
$19,418
+1.3% YoY
|
46th in tier |
| CD Concentration |
27.3%
-9.2% YoY+0.3% QoQ
|
-1.7% |
29.0%
+0.8% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
44th in tier |
| Indirect Auto % |
12.3%
-18.4% YoY+1.3% QoQ
|
-6.5% |
18.8%
-2.8% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
41st in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members without relying on indirect channels. Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)