BlastPoint's Credit Union Scorecard

WEYCO COMMUNITY

Charter #66324 · NC

1069 CUs in 100M-500M nationally 13 in NC

WEYCO COMMUNITY has 4 strengths but faces 14 concerns

National Analysis

How does the industry compare?

NC Analysis

How does NC stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 11.6% in tier
+ Wallet Share Momentum: Top 21.7% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ AMR Growth Rate: Top 8.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.6% in tier
- Credit Quality Pressure: Bottom 5.4% in tier
- Efficiency Drag: Bottom 24.6% in tier
- Membership Headwinds: Bottom 26.4% in tier
- Stagnation Risk: Bottom 39.2% in tier
- ROA 0.55% below tier average
- Efficiency ratio 10.40% above tier (higher cost structure)
- Delinquency rate 2.30% above tier average
- Member decline: -4.6% YoY
- Total Delinquency Rate (60+ days): Bottom 2.0% in tier
- First Mortgage Concentration (%): Bottom 2.6% in tier
- Total Members: Bottom 4.8% in tier
- Total Assets: Bottom 7.4% in tier
- Total Deposits: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (NC)	National Avg	Tier Percentile
Members	5,667 -4.6% YoY+1.2% QoQ	-9.8K	15,437 -2.9% YoY	91,719 +6.9% YoY	33,374 +5.7% YoY	Bottom 4.7% in tier
Assets	$111.1M +1.9% YoY-0.6% QoQ	$-120.8M	$231.9M +1.3% YoY	$1.6B +12.6% YoY	$561.6M +9.7% YoY	Bottom 7.3% in tier
Loans	$65.9M +12.8% YoY+3.5% QoQ	$-81.4M	$147.3M -0.1% YoY	$1.1B +9.8% YoY	$397.0M +8.8% YoY	Bottom 13.4% in tier
Deposits	$99.5M +2.0% YoY-0.5% QoQ	$-101.3M	$200.8M +0.8% YoY	$1.4B +12.2% YoY	$477.3M +9.7% YoY	Bottom 9.8% in tier

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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	0.2% +8.6% YoY-38.5% QoQ	-0.6%	0.8% +18.2% YoY	0.2% -40.7% YoY	0.7% +15.9% YoY	Bottom 13.2% in tier
NIM	2.9% +10.6% YoY+1.7% QoQ	-0.7%	3.6% +6.7% YoY	4.1% +4.6% YoY	3.8% +5.1% YoY	Bottom 15.0% in tier
Efficiency Ratio	87.4% +0.4% YoY+4.4% QoQ	+10.4%	77.0% -3.1% YoY	80.6% -3.1% YoY	79.7% -3.3% YoY	85%
Delinquency Rate	3.2% +46.4% YoY+51.4% QoQ	+2.3	0.9% +4.2% YoY	2.1% -15.0% YoY	1.3% -2.1% YoY	Top 2.0% in tier
Loan To Share	66.2% +10.6% YoY+4.0% QoQ	-6.0%	72.2% -1.1% YoY	75.9% +1.0% YoY	67.4% -1.7% YoY	34%
AMR	$29,191 +11.2% YoY-0.1% QoQ	+$5K	$24,676 +3.4% YoY	$17,588 +4.6% YoY	$19,687 +2.0% YoY	79%
CD Concentration	36.3% +2.7% YoY-0.0% QoQ	+11.8%	24.4%	21.7%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.1%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#32 of 268 • Top 11.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 11.18%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Wallet Share Momentum

growth

#112 of 513 • Top 21.7% in tier

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

Why This Signature

AMR Growth (YoY): 11.18%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | Rank worsening

Concerns (5)

Credit Risk Growth

risk

#13 of 456 • Bottom 2.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 12.82%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 1.01% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#39 of 705 • Bottom 5.4% in tier

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

Why This Signature

Delinquency Change (YoY): 1.01% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Efficiency Drag

risk

#133 of 538 • Bottom 24.6% in tier

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

Why This Signature

Efficiency Ratio: 87.42%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.02% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -4.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Membership Headwinds

decline

#147 of 554 • Bottom 26.4% in tier

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

Why This Signature

Member Growth (YoY): -4.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Stagnation Risk

risk

#218 of 554 • Bottom 39.2% 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): -4.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 12.82%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 3.20%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | 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 1069 peers in tier

Top Strengths (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.18%

Peer Median: -

#90 of 1069 Top 8.3% in 100M-500M tier

111

Loan Growth Rate

growth

Value: 12.82%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

220

Average Member Relationship (AMR)

engagement

Value: $29,191

Peer Median: -

#220 of 1069 Top 20.5% in 100M-500M tier

Top Weaknesses (12 metrics)

1049

Total Delinquency Rate (60+ days)

risk

Value: 3.20%

Peer Median: -

#1049 of 1069 Bottom 2.0% in 100M-500M tier

1042

First Mortgage Concentration (%)

balance_sheet

Value: 68.36%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1019

Total Members

engagement

Value: 5,667

Peer Median: -

#1019 of 1069 Bottom 4.8% in 100M-500M tier

991

Total Assets

balance_sheet

Value: $111.10M

Peer Median: -

#991 of 1069 Bottom 7.4% in 100M-500M tier

964

Total Deposits

balance_sheet

Value: $99.52M

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

948

Member Growth Rate

growth

Value: -4.63%

Peer Median: -

#948 of 1069 Bottom 11.4% in 100M-500M tier

942

Share Certificate Concentration (%)

balance_sheet

Value: 36.26%

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

928

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Median: -

#928 of 1069 Bottom 13.3% in 100M-500M tier

926

Total Loans

balance_sheet

Value: $65.91M

Peer Median: -

#926 of 1069 Bottom 13.5% in 100M-500M tier

926

Members Per Employee (MPE)

engagement

Value: 236.125

Peer Median: -

#926 of 1069 Bottom 13.5% in 100M-500M tier