BlastPoint's Credit Union Scorecard
WESTERRA
Charter #65788 · CO
WESTERRA has 2 strengths but faces 8 concerns
How does the industry compare?
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How does CO stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 84.4% in tier
- + Organic Growth Engine: Top 96.8% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.9% in tier
- - Efficiency Drag: Bottom 57.3% in tier
- - Shrinking Wallet Share: Bottom 83.3% in tier
- - ROA 0.59% below tier average
- - Efficiency ratio 7.60% above tier (higher cost structure)
- - Delinquency rate 0.78% above tier average
- - Asset Growth Rate: Bottom 6.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
113,534
+1.5% YoY-2.0% QoQ
|
+16.1K |
97,431
-2.4% YoY
|
37,842
+7.2% YoY
|
33,374
+5.7% YoY
|
70% |
| Assets |
$2.1B
-2.9% YoY-1.6% QoQ
|
+$345.5M |
$1.7B
+0.9% YoY
|
$688.6M
+9.4% YoY
|
$561.6M
+9.7% YoY
|
71% |
| Loans |
$1.4B
-1.9% YoY+1.2% QoQ
|
+$210.9M |
$1.2B
+0.5% YoY
|
$531.4M
+7.9% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$1.7B
+2.4% YoY+1.5% QoQ
|
+$248.9M |
$1.5B
+0.9% YoY
|
$583.2M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.1%
-62.0% YoY-71.0% QoQ
|
-0.6% |
0.7%
+20.9% YoY
|
0.4%
-10.6% YoY
|
0.7%
+15.9% YoY
|
Bottom 6.6% in tier |
| NIM |
3.2%
+8.9% YoY+1.4% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.5%
+1.6% YoY
|
3.8%
+5.1% YoY
|
41% |
| Efficiency Ratio |
81.7%
-2.6% YoY+2.2% QoQ
|
+7.6% |
74.1%
-9.5% YoY
|
82.6%
+1.3% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
1.7%
+304.3% YoY+213.2% QoQ
|
+0.8 |
0.9%
+6.2% YoY
|
1.0%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 8.9% in tier |
| Loan To Share |
84.6%
-4.2% YoY-0.3% QoQ
|
-0.2% |
84.8%
-0.8% YoY
|
72.0%
-2.4% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$27,776
-1.1% YoY+3.4% QoQ
|
$-2K |
$29,428
+2.4% YoY
|
$23,202
+4.3% YoY
|
$19,687
+2.0% YoY
|
50% |
| CD Concentration |
26.1%
-6.5% YoY-4.4% QoQ
|
-2.9% | 29.0% | 26.2% | 19.8% | 38% |
| Indirect Auto % |
12.5%
-17.5% YoY+2.1% QoQ
|
-5.8% | 18.3% | 12.2% | 7.8% | 42% |
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 (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)