BlastPoint's Credit Union Scorecard
WESCOM CENTRAL
Charter #66703 · CA
WESCOM CENTRAL has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 39.1% in tier
- + Organic Growth Engine: Top 39.1% in tier
- + Share Certificate Concentration (%): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 4.5% in tier
- - Credit Quality Pressure: Bottom 28.1% in tier
- - Credit Risk Growth: Bottom 62.5% in tier
- - Shrinking Wallet Share: Bottom 98.4% in tier
- - Deposit Outflow: Bottom 100.0% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 18.78% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 2.6% in tier
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 6 that size in California.
- Shares and deposits -4.2% year over year ($4.35B in shares and deposits).
- Membership: 264,807 members, +3.1% vs a year ago.
- Delinquency rate 0.43%.
- Return on assets 0.47%.
- Efficiency ratio 83.96% vs a 65.18% peer average.
- Loan-to-share ratio 80.69% vs a 85.64% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
264,807
+3.1% YoY+0.4% QoQ
|
-46.1K |
310,918
+6.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
26% |
| Assets |
$6.6B
+1.4% YoY+2.0% QoQ
|
+$810.4M |
$5.8B
-1.1% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$3.5B
+3.3% YoY+0.5% QoQ
|
$-692.7M |
$4.2B
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$4.3B
-4.2% YoY-1.2% QoQ
|
$-548.0M |
$4.9B
-1.3% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.3% in tier |
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| ROA |
0.5%
+58.8% YoY+103.4% QoQ
|
-0.5% |
0.9%
+35.3% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
Bottom 10.3% in tier |
| NIM |
3.0%
+7.6% YoY-1.7% QoQ
|
-0.2% |
3.2%
+9.5% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
31% |
| Efficiency Ratio |
84.0%
-6.1% YoY-5.9% QoQ
|
+18.8% |
65.2%
-9.0% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
Bottom 2.6% in tier |
| Delinquency Rate |
0.4%
+43.1% YoY+15.5% QoQ
|
-0.4 |
0.8%
+23.8% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
80.7%
+7.8% YoY+1.6% QoQ
|
-4.9% |
85.6%
-0.2% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
26% |
| AMR |
$29,661
-4.0% YoY-0.9% QoQ
|
$-2K |
$32,010
-7.3% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
49% |
| CD Concentration |
13.9%
-28.3% YoY+2.4% QoQ
|
-14.4% | 28.3% | 22.2% | 20.0% | Bottom 4.5% in tier |
| Indirect Auto % |
0.5%
-42.3% YoY-13.6% QoQ
|
-16.3% | 16.8% | 9.2% | 7.7% | 15% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (5)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)