BlastPoint's Credit Union Scorecard
WEYCO COMMUNITY
Charter #66324 · NC
WEYCO COMMUNITY has 5 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 19.9% in tier
- + Organic Growth Engine: Top 26.3% in tier
- + Relationship Depth Leader: Top 46.9% in tier
- + Wallet Share Momentum: Top 90.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.8% in tier
- - ROA 0.45% below tier average
- - Efficiency ratio 6.42% above tier (higher cost structure)
- - Delinquency rate 1.25% above tier average
- - First Mortgage Concentration (%): Bottom 3.2% in tier
- - Total Members: Bottom 4.5% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.5% in tier
- - Total Assets: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,601
+1.9% YoY+1.1% QoQ
|
-10.0K |
15,628
-3.4% YoY
|
91,841
+6.6% YoY
|
33,089
+6.1% YoY
|
Bottom 4.4% in tier |
| Assets |
$111.8M
+5.7% YoY+0.4% QoQ
|
$-119.5M |
$231.3M
-0.0% YoY
|
$1.5B
+5.5% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.1% in tier |
| Loans |
$63.7M
+10.3% YoY+5.8% QoQ
|
$-84.1M |
$147.8M
-1.4% YoY
|
$1.1B
+9.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 11.7% in tier |
| Deposits |
$100.0M
+5.9% YoY+0.7% QoQ
|
$-100.3M |
$200.3M
-0.0% YoY
|
$1.3B
+12.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.1% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.3%
-5.9% YoY+3.2% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.4%
-19.0% YoY
|
0.7%
+273.4% YoY
|
21% |
| NIM |
2.9%
+6.9% YoY+3.5% QoQ
|
-0.7% |
3.6%
+6.9% YoY
|
4.1%
+4.0% YoY
|
3.7%
+5.0% YoY
|
Bottom 14.0% in tier |
| Efficiency Ratio |
83.7%
-1.8% YoY+0.4% QoQ
|
+6.4% |
77.3%
-3.0% YoY
|
81.5%
-1.2% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
2.1%
-13.2% YoY-3.2% QoQ
|
+1.3 |
0.9%
+7.6% YoY
|
1.5%
+2.4% YoY
|
1.2%
-0.9% YoY
|
Top 5.5% in tier |
| Loan To Share |
63.7%
+4.2% YoY+5.0% QoQ
|
-9.0% |
72.7%
-1.5% YoY
|
76.3%
+1.1% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$29,217
+5.5% YoY+1.5% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$17,441
+4.0% YoY
|
$19,418
+1.3% YoY
|
81% |
| CD Concentration |
36.3%
+8.6% YoY+2.4% QoQ
|
+11.9% |
24.4%
+4.2% YoY
|
20.6%
+2.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.3%
-2.9% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (4)
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.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)