BlastPoint's Credit Union Scorecard

WESCOM CENTRAL

Charter #66703 · CA

Large 5B-7B

34 CUs in 5B-7B nationally 7 in CA

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WESCOM CENTRAL has 5 strengths but faces 12 concerns

National Analysis

How does the industry compare?

Large Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 13.2% in tier
+ Organic Growth Engine: Top 21.6% in tier
+ Credit Quality Leader: Top 86.7% in tier
+ Share Certificate Concentration (%): Top 2.9% in tier
+ Fee Income Per Member: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 4.8% in tier
- Shrinking Wallet Share: Bottom 8.3% in tier
- Credit Quality Pressure: Bottom 16.4% in tier
- Credit Risk Growth: Bottom 21.7% in tier
- Deposit Outflow: Bottom 100.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 19.96% above tier (higher cost structure)
- Deposit Growth Rate: Bottom 2.9% in tier
- AMR Growth Rate: Bottom 2.9% in tier
- Net Worth Ratio: Bottom 2.9% in tier
- Members Per Employee (MPE): Bottom 5.9% in tier
- Total Deposits: Bottom 8.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	259,450 +3.8% YoY+1.1% QoQ	-30.3K	289,724 -2.8% YoY	59,606 +5.7% YoY	33,089 +6.1% YoY	32%
Assets	$6.4B -0.9% YoY-2.3% QoQ	+$568.5M	$5.8B +0.2% YoY	$1.2B +6.2% YoY	$547.7M +7.8% YoY	76%
Loans	$3.4B +3.1% YoY+1.1% QoQ	$-650.2M	$4.1B -3.1% YoY	$845.5M +7.1% YoY	$388.7M +8.6% YoY	18%
Deposits	$4.4B -1.3% YoY-4.0% QoQ	$-532.5M	$4.9B +2.2% YoY	$1.0B +8.8% YoY	$464.6M +9.3% YoY	Bottom 5.9% 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	0.3% +1.2% YoY+15.9% QoQ	-0.5%	0.8% +15.5% YoY	0.6% +30.0% YoY	0.7% +273.4% YoY	Bottom 2.9% in tier
NIM	2.9% +11.2% YoY+3.2% QoQ	-0.0%	2.9% +3.9% YoY	3.3% +6.5% YoY	3.7% +5.0% YoY	35%
Efficiency Ratio	88.1% -0.6% YoY-1.5% QoQ	+20.0%	68.1% -1.7% YoY	79.3% -6.2% YoY	79.1% -3.3% YoY	Top 5.9% in tier
Delinquency Rate	0.3% +21.8% YoY+11.0% QoQ	-0.3	0.6% -2.2% YoY	0.7% -38.7% YoY	1.2% -0.9% YoY	21%
Loan To Share	78.8% +4.5% YoY+5.3% QoQ	-4.8%	83.6% -5.7% YoY	68.8% -1.5% YoY	68.0% -1.7% YoY	29%
AMR	$30,018 -3.0% YoY-2.9% QoQ	$-4K	$34,398 +4.0% YoY	$28,514 +2.8% YoY	$19,418 +1.3% YoY	41%
CD Concentration	14.8% -26.5% YoY-23.6% QoQ	-14.1%	28.9% -1.3% YoY	21.7% +4.2% YoY	19.6% +6.2% YoY	Bottom 6.2% in tier
Indirect Auto %	0.7% -37.2% YoY-12.6% QoQ	-15.9%	16.6% -10.3% YoY	9.5% -6.9% YoY	7.9% -2.9% YoY	Bottom 12.5% in tier

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#12 of 28 • Top 13.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 3.76%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.74%

(Tier: 16.60%, National: 7.90%)

better than tier avg

28 of 64 Large CUs have this signature | 608 nationally

→ Stable (28→28 CUs) | Rank worsening

Organic Growth Engine

growth

#33 of 50 • Top 21.6% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 3.76%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 0.35%

(Tier: 0.91%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.74%

(Tier: 16.60%, National: 7.90%)

better than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank worsening

Credit Quality Leader

growth

#14 of 16 • Top 86.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.33%

(Tier: 0.65%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

16 of 64 Large CUs have this signature | 457 nationally

→ Stable (15→16 CUs) +1 CUs YoY | Rank worsening

Concerns (5)

Efficiency Drag

risk

#2 of 6 • Bottom 4.8% in tier

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

Why This Signature

Efficiency Ratio: 88.09%

(Tier: 66.07%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.00% points

(Tier: 0.13% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 3.76%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

6 of 64 Large CUs have this signature | 624 nationally

→ Stable (8→6 CUs) -2 CUs YoY

Shrinking Wallet Share

decline

#5 of 15 • Bottom 8.3% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -3.05%

(Tier: 2.82%, National: 4.19%)

worse than tier avg

15 of 64 Large CUs have this signature | 346 nationally

↓ Shrinking -6 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#21 of 34 • Bottom 16.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

34 of 64 Large CUs have this signature | 1002 nationally

↓ Shrinking -17 CUs YoY | Rank improving

Credit Risk Growth

risk

#22 of 25 • Bottom 21.7% in tier

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

Why This Signature

Loan Growth (YoY): 3.11%

(Tier: 4.99%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.06% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

25 of 64 Large CUs have this signature | 646 nationally

↓ Shrinking -13 CUs YoY

Deposit Outflow

decline

#3 of 3 • Bottom 100.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -1.29%

(Tier: 6.42%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 3.76%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

3 of 64 Large CUs have this signature | 109 nationally

→ Stable (4→3 CUs) -1 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 34 peers in tier

Top Strengths (5 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 14.80%

Peer Avg: -

#2 of 34 Top 2.9% in 5B-7B tier

Fee Income Per Member

profitability

Value: $321.82

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.74%

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Avg: -

#8 of 34 Top 20.6% in 5B-7B tier

Total Assets

balance_sheet

Value: $6.36B

Peer Avg: -

#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (10 metrics)

Deposit Growth Rate

growth

Value: -1.29%

Peer Avg: -

#34 of 34 Bottom 2.9% in 5B-7B tier

AMR Growth Rate

growth

Value: -3.05%

Peer Avg: -

#34 of 34 Bottom 2.9% in 5B-7B tier

Net Worth Ratio

risk

Value: 8.05%

Peer Avg: -

#34 of 34 Bottom 2.9% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 0.35%

Peer Avg: -

#33 of 34 Bottom 5.9% in 5B-7B tier

Efficiency Ratio

profitability

Value: 88.09%

Peer Avg: -

#33 of 34 Bottom 5.9% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 279.279

Peer Avg: -

#33 of 34 Bottom 5.9% in 5B-7B tier

Total Deposits

balance_sheet

Value: $4.36B

Peer Avg: -

#32 of 34 Bottom 8.8% in 5B-7B tier

Asset Growth Rate

growth

Value: -0.88%

Peer Avg: -

#31 of 34 Bottom 11.8% in 5B-7B tier

First Mortgage Concentration (%)

balance_sheet

Value: 52.75%

Peer Avg: -

#29 of 34 Bottom 17.6% in 5B-7B tier

Total Loans

balance_sheet

Value: $3.43B

Peer Avg: -

#28 of 34 Bottom 20.6% in 5B-7B tier