BlastPoint's Credit Union Scorecard
WESTERRA
Charter #65788 · CO
WESTERRA has 2 strengths but faces 8 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
- + Wallet Share Momentum: Top 3.0% in tier
- + AMR Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 10.7% in tier
- - Institutional Decline: Bottom 45.1% in tier
- - Credit Quality Pressure: Bottom 49.2% in tier
- - Membership Headwinds: Bottom 99.5% in tier
- - Stagnation Risk: Bottom 99.5% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 10.86% above tier (higher cost structure)
- - Member decline: -17.5% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 3 that size in Colorado.
- Shares and deposits -0.8% year over year ($1.67B in shares and deposits).
- Membership: 94,208 members, -17.5% vs a year ago.
- Delinquency rate 0.50%.
- Return on assets 0.47%.
- Efficiency ratio 83.88% vs a 73.02% peer average.
- Loan-to-share ratio 85.07% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,208
-17.5% YoY-2.5% QoQ
|
-2.7K |
96,861
-1.9% YoY
|
46,494
+29.3% YoY
|
34,678
+6.6% YoY
|
56% |
| Assets |
$2.1B
-3.2% YoY+0.6% QoQ
|
+$335.2M |
$1.7B
+0.4% YoY
|
$894.3M
+37.1% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$1.4B
-2.7% YoY+0.4% QoQ
|
+$186.9M |
$1.2B
+0.7% YoY
|
$702.2M
+37.3% YoY
|
$418.6M
+10.1% YoY
|
69% |
| Deposits |
$1.7B
-0.8% YoY-1.7% QoQ
|
+$207.1M |
$1.5B
+0.5% YoY
|
$750.1M
+37.6% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.5%
-16.9% YoY+12.0% QoQ
|
-0.4% |
0.8%
+27.6% YoY
|
0.7%
+37.8% YoY
|
1.2%
+121.4% YoY
|
21% |
| NIM |
3.3%
+3.4% YoY+0.9% QoQ
|
-0.2% |
3.4%
+6.6% YoY
|
3.5%
+0.2% YoY
|
3.8%
+2.3% YoY
|
35% |
| Efficiency Ratio |
83.9%
+7.9% YoY-1.8% QoQ
|
+10.9% |
73.0%
-2.7% YoY
|
79.8%
-0.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.5%
+8.7% YoY-70.6% QoQ
|
-0.4 |
0.9%
+7.3% YoY
|
0.8%
-1.8% YoY
|
1.3%
+2.6% YoY
|
29% |
| Loan To Share |
85.1%
-2.0% YoY+2.1% QoQ
|
+0.4% |
84.7%
+0.1% YoY
|
72.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
46% |
| AMR |
$32,816
+19.1% YoY+1.8% QoQ
|
+$3K |
$29,575
+1.5% YoY
|
$24,334
+6.4% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
25.3%
-7.0% YoY-0.9% QoQ
|
-3.8% | 29.1% | 27.0% | 20.0% | 33% |
| Indirect Auto % |
11.3%
-6.2% YoY+7.0% QoQ
|
-6.7% | 18.1% | 12.3% | 7.7% | 40% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)