BlastPoint's Credit Union Scorecard
WESTERRA
Charter #65788 · CO
WESTERRA has 2 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does CO stack up?
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
|
69% |
| 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
|
71% |
| 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
|
69% |
| 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
|
69% |
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| 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
|
18% |
| 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
|
40% |
| 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
|
72% |
| 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
|
34% |
| 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
|
41% |
| 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
|
46% |
| CD Concentration |
27.3%
-9.2% YoY+0.3% QoQ
|
-1.6% |
29.0%
+0.7% YoY
|
26.3%
+7.3% YoY
|
19.6%
+6.2% YoY
|
44% |
| Indirect Auto % |
12.3%
-18.4% YoY+1.3% QoQ
|
-6.5% |
18.8%
-3.0% YoY
|
12.4%
-8.4% YoY
|
7.9%
-2.9% YoY
|
41% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). 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)