WESCOM CENTRAL

Charter #66703 | CA

5B-7B (34 CUs) Large (64 CUs)
7 5B-7B in CA

WESCOM CENTRAL has 5 strengths but faces 12 concerns

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
  • + Emerging Performer: Top 26.4% 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
  • - Deposit Outflow: Bottom 20.0% in tier
  • - Growth-at-Risk: Bottom 21.7% 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
 32nd in tier
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
 Top 23.5% in tier
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
 Bottom 17.6% in tier
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
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
 35th in tier
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
 Bottom 20.6% in tier
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
 29th in tier
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
 41st in tier
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 without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.76%
(Tier: 3.07%, National: 9.37%)
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

Emerging Performer

growth
#24 of 31 • Top 26.4% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.35%
(Tier: 0.91%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 3.76%
(Tier: 3.07%, National: 9.37%)
better than tier avg
31 of 64 Large CUs have this signature | 852 nationally
→ Stable (27→31 CUs) +4 CUs YoY

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

Deposit Outflow

decline
#3 of 3 • Bottom 20.0% in tier

Members staying but deposits leaving. They're losing 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
Total Assets: $6.36B
(Tier: $5.79B, National: $547.69M)
but better than tier avg
3 of 64 Large CUs have this signature | 143 nationally
→ Stable (4→3 CUs) -1 CUs YoY | New qualifier

Growth-at-Risk

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

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)

Comparing against 34 peers in tier

Top Strengths (5 metrics)

2
Share Certificate Concentration (%)
balance_sheet
Value: 14.80%
Peer Avg: 30.59%
#2 of 34 Top 2.9% in 5B-7B tier
4
Fee Income Per Member
profitability
Value: $321.82
Peer Avg: $213.89
#4 of 34 Top 8.8% in 5B-7B tier
6
Indirect Auto Concentration (%)
balance_sheet
Value: 0.74%
Peer Avg: 14.61%
#6 of 34 Top 14.7% in 5B-7B tier
8
Total Delinquency Rate (60+ days)
risk
Value: 0.33%
Peer Avg: 0.62%
#8 of 34 Top 20.6% in 5B-7B tier
8
Total Assets
balance_sheet
Value: $6.36B
Peer Avg: $5.79B
#8 of 34 Top 20.6% in 5B-7B tier

Top Weaknesses (10 metrics)

34
Deposit Growth Rate
growth
Value: -1.29%
Peer Avg: 8.13%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
AMR Growth Rate
growth
Value: -3.05%
Peer Avg: 3.75%
#34 of 34 Bottom 2.9% in 5B-7B tier
34
Net Worth Ratio
risk
Value: 8.05%
Peer Avg: 10.96%
#34 of 34 Bottom 2.9% in 5B-7B tier
33
Return on Assets (ROA)
profitability
Value: 0.35%
Peer Avg: 0.80%
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Efficiency Ratio
profitability
Value: 88.09%
Peer Avg: 68.13%
#33 of 34 Bottom 5.9% in 5B-7B tier
33
Members Per Employee (MPE)
engagement
Value: 279.279
Peer Avg: 430.688
#33 of 34 Bottom 5.9% in 5B-7B tier
32
Total Deposits
balance_sheet
Value: $4.36B
Peer Avg: $4.89B
#32 of 34 Bottom 8.8% in 5B-7B tier
31
Asset Growth Rate
growth
Value: -0.88%
Peer Avg: 6.10%
#31 of 34 Bottom 11.8% in 5B-7B tier
29
First Mortgage Concentration (%)
balance_sheet
Value: 52.75%
Peer Avg: 37.88%
#29 of 34 Bottom 17.6% in 5B-7B tier
28
Total Loans
balance_sheet
Value: $3.43B
Peer Avg: $4.08B
#28 of 34 Bottom 20.6% in 5B-7B tier