BlastPoint's Credit Union Scorecard

WESTERRA

Charter #65788 · CO

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 3 in CO

View Mid-Market leaderboard →

WESTERRA has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CO Analysis

How does CO stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 5.0% in tier
+ AMR Growth Rate: Top 4.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 1.8% in tier
- Efficiency Drag: Bottom 11.5% in tier
- Institutional Decline: Bottom 44.6% in tier
- Membership Headwinds: Bottom 99.5% in tier
- Stagnation Risk: Bottom 99.5% in tier
- ROA 0.30% below tier average
- Efficiency ratio 10.76% above tier (higher cost structure)
- Delinquency rate 0.95% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CO)	National Avg	Tier Percentile
Members	96,647 -14.2% YoY-14.9% QoQ	+598	96,048 -2.7% YoY	45,987 +29.5% YoY	33,913 +5.7% YoY	59%
Assets	$2.0B -4.7% YoY-1.1% QoQ	+$327.2M	$1.7B +0.4% YoY	$896.2M +38.1% YoY	$578.3M +9.0% YoY	69%
Loans	$1.4B -4.3% YoY-2.0% QoQ	+$202.0M	$1.2B +0.2% YoY	$687.4M +35.9% YoY	$402.4M +8.7% YoY	70%
Deposits	$1.7B +0.6% YoY-0.5% QoQ	+$233.9M	$1.5B +0.5% YoY	$753.9M +36.7% YoY	$494.3M +9.1% YoY	69%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.4% +2.8% YoY+321.8% QoQ	-0.3%	0.7% +27.6% YoY	0.5% +3.7% YoY	0.4% -39.2% YoY	25%
NIM	3.2% +2.2% YoY+0.7% QoQ	-0.1%	3.4% +6.2% YoY	3.5% +0.5% YoY	3.8% +4.1% YoY	40%
Efficiency Ratio	85.4% +7.4% YoY+4.6% QoQ	+10.8%	74.6% -3.0% YoY	80.2% -2.9% YoY	84.6% +2.8% YoY	Bottom 12.4% in tier
Delinquency Rate	1.7% +387.1% YoY+1.6% QoQ	+1.0	0.8% +6.9% YoY	1.0% +37.3% YoY	1.2% +3.4% YoY	Bottom 4.9% in tier
Loan To Share	83.3% -4.8% YoY-1.5% QoQ	+0.1%	83.2% -0.4% YoY	71.5% -0.6% YoY	65.6% -1.4% YoY	44%
AMR	$32,232 +14.5% YoY+16.0% QoQ	+$3K	$29,652 +2.3% YoY	$24,339 +6.3% YoY	$19,920 +1.6% YoY	70%
CD Concentration	25.5% -6.0% YoY-2.2% QoQ	-3.3%	28.8%	26.7%	19.8%	38%
Indirect Auto %	10.6% -33.7% YoY-15.1% QoQ	-7.5%	18.1%	12.4%	7.7%	40%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#19 of 125 • Top 5.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 14.53%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#3 of 91 • Bottom 99.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Stagnation Risk

risk

#3 of 91 • Bottom 99.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.30%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.71%

(Tier: 0.75%, National: 1.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Quality Pressure

risk

#7 of 225 • Bottom 1.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.36% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Institutional Decline

decline

#3 of 31 • Bottom 44.6% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.05B

(Tier: $2.16B, National: $578.34M)

worse than tier avg

Member Growth (YoY): -14.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -4.30%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

31 of 384 Mid-Market CUs have this signature | 289 nationally

→ No prior data (31 CUs now) | New qualifier

Efficiency Drag

risk

#47 of 100 • Bottom 11.5% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.39%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -14.17%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | New qualifier

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (1 metrics)

AMR Growth Rate

growth

Value: 14.53%

Peer Median: 3.15%

#14 of 306 Top 4.2% in 1B-3B tier

Top Weaknesses (6 metrics)

303

Member Growth Rate

growth

Value: -14.17%

Peer Median: 2.03%

#303 of 306 Bottom 1.3% in 1B-3B tier

297

Asset Growth Rate

growth

Value: -4.72%

Peer Median: 4.82%

#297 of 306 Bottom 3.3% in 1B-3B tier

292

Total Delinquency Rate (60+ days)

risk

Value: 1.71%

Peer Median: 0.63%

#292 of 306 Bottom 4.9% in 1B-3B tier

286

Loan Growth Rate

growth

Value: -4.30%

Peer Median: 5.67%

#286 of 306 Bottom 6.9% in 1B-3B tier

269

Efficiency Ratio

profitability

Value: 85.39%

Peer Median: 75.16%

#269 of 306 Bottom 12.4% in 1B-3B tier

254

Deposit Growth Rate

growth

Value: 0.57%

Peer Median: 4.44%

#254 of 306 Bottom 17.3% in 1B-3B tier