BlastPoint's Credit Union Scorecard

WESCOM CENTRAL

Charter #66703 · CA

Large 5B-7B
35 CUs in 5B-7B nationally 5 in CA
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WESCOM CENTRAL has 4 strengths but faces 11 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 39.3% in tier
  • + Organic Growth Engine: Top 71.7% in tier
  • + Share Certificate Concentration (%): Top 2.9% in tier
  • + Fee Income Per Member: Top 8.6% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 0.0% in tier
  • - Shrinking Wallet Share: Bottom 33.3% in tier
  • - Credit Quality Pressure: Bottom 80.6% in tier
  • - Credit Risk Growth: Bottom 86.7% in tier
  • - Deposit Outflow: Bottom 100.0% in tier
  • - ROA 0.47% below tier average
  • - Efficiency ratio 20.49% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 2.9% in tier
  • - Deposit Growth Rate: Bottom 5.7% in tier
  • - AMR Growth Rate: Bottom 5.7% in tier
  • - Members Per Employee (MPE): Bottom 5.7% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 261,174
+3.6% YoY+0.7% QoQ
 -31.2K 292,342
-2.4% YoY
 60,320
+5.7% YoY
 33,374
+5.7% YoY
 29%
Assets $6.3B
+0.5% YoY-0.9% QoQ
 +$560.3M $5.7B
-0.2% YoY
 $1.3B
+6.2% YoY
 $561.6M
+9.7% YoY
 74%
Loans $3.5B
+4.1% YoY+1.4% QoQ
 $-683.4M $4.2B
-1.6% YoY
 $856.7M
+6.3% YoY
 $397.0M
+8.8% YoY
 20%
Deposits $4.4B
-2.9% YoY+0.2% QoQ
 $-481.8M $4.8B
+0.4% YoY
 $1.1B
+7.1% YoY
 $477.3M
+9.7% YoY
 Bottom 11.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.3%
+18.9% YoY+0.4% QoQ
 -0.5% 0.8%
+27.9% YoY
 0.5%
+14.3% YoY
 0.7%
+15.9% YoY
 Bottom 5.7% in tier
NIM 2.9%
+11.2% YoY+2.9% QoQ
 -0.1% 3.0%
+8.0% YoY
 3.3%
+7.0% YoY
 3.8%
+5.1% YoY
 40%
Efficiency Ratio 87.8%
-2.6% YoY-0.4% QoQ
 +20.5% 67.3%
-3.7% YoY
 80.7%
-1.8% YoY
 79.7%
-3.3% YoY
 Top 5.7% in tier
Delinquency Rate 0.4%
+11.5% YoY+17.8% QoQ
 -0.4 0.8%
+17.5% YoY
 0.7%
-40.0% YoY
 1.3%
-2.1% YoY
 20%
Loan To Share 79.8%
+7.2% YoY+1.2% QoQ
 -6.1% 85.9%
-2.6% YoY
 68.6%
-1.3% YoY
 67.4%
-1.7% YoY
 23%
AMR $30,046
-3.4% YoY+0.1% QoQ
 $-4K $34,289
+3.5% YoY
 $28,728
+2.4% YoY
 $19,687
+2.0% YoY
 46%
CD Concentration 14.1%
-35.9% YoY-4.4% QoQ
 -15.0% 29.1% 21.7% 19.8% Bottom 6.0% in tier
Indirect Auto % 0.6%
-39.2% YoY-12.3% QoQ
 -16.4% 17.1% 9.2% 7.8% Bottom 13.4% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#12 of 29 • Top 39.3% in tier

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

Why This Signature
Member Growth (YoY): 3.56%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Indirect Auto %: 0.65%
(Tier: 17.09%, National: 7.78%)
better than tier avg
29 of 68 Large CUs have this signature | 609 nationally
→ No prior data (29 CUs now) | New qualifier

Organic Growth Engine

growth
#39 of 54 • Top 71.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.56%
(Tier: 4.35%, National: 4.32%)
but worse than tier avg
Return on Assets: 0.35%
(Tier: 0.90%, National: 0.67%)
but worse than tier avg
Indirect Auto %: 0.65%
(Tier: 17.09%, National: 7.78%)
better than tier avg
54 of 68 Large CUs have this signature | 913 nationally
→ No prior data (54 CUs now) | New qualifier

Concerns (5)

Efficiency Drag

risk
#1 of 4 • Bottom 0.0% in tier

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

Why This Signature
Efficiency Ratio: 87.77%
(Tier: 65.89%, National: 79.67%)
worse than tier avg
ROA Change (YoY): 0.06% points
(Tier: 0.17% points, National: 0.02% points)
worse than tier avg
Member Growth (YoY): 3.56%
(Tier: 4.35%, National: 4.32%)
worse than tier avg
4 of 68 Large CUs have this signature | 633 nationally
→ Stable (8→4 CUs) -4 CUs YoY

Shrinking Wallet Share

decline
#5 of 13 • Bottom 33.3% in tier

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

Why This Signature
AMR Growth (YoY): -3.36%
(Tier: 3.92%, National: 4.00%)
worse than tier avg
13 of 68 Large CUs have this signature | 303 nationally
→ Stable (16→13 CUs) -3 CUs YoY

Credit Quality Pressure

risk
#30 of 37 • Bottom 80.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.06% points)
but better than tier avg
37 of 68 Large CUs have this signature | 969 nationally
→ Stable (41→37 CUs) -4 CUs YoY | Rank worsening

Credit Risk Growth

risk
#27 of 31 • Bottom 86.7% in tier

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

Why This Signature
Loan Growth (YoY): 4.08%
(Tier: 6.96%, National: 111.96%)
worse than tier avg
Delinquency Change (YoY): 0.04% points
(Tier: 0.04% points, National: 0.06% points)
but better than tier avg
31 of 68 Large CUs have this signature | 665 nationally
→ No prior data (31 CUs now) | New qualifier

Deposit Outflow

decline
#2 of 2 • 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): -2.88%
(Tier: 8.87%, National: 13.79%)
worse than tier avg
Member Growth (YoY): 3.56%
(Tier: 4.35%, National: 4.32%)
worse than tier avg
2 of 68 Large CUs have this signature | 91 nationally
→ No prior data (2 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)

Comparing against 35 peers in tier

Top Strengths (6 metrics)

2
Share Certificate Concentration (%)
balance_sheet
Value: 14.14%
Peer Median: -
#2 of 35 Top 2.9% in 5B-7B tier
4
Fee Income Per Member
profitability
Value: $316.18
Peer Median: -
#4 of 35 Top 8.6% in 5B-7B tier
7
Indirect Auto Concentration (%)
balance_sheet
Value: 0.65%
Peer Median: -
#7 of 35 Top 17.1% in 5B-7B tier
8
Total Delinquency Rate (60+ days)
risk
Value: 0.39%
Peer Median: -
#8 of 35 Top 20.0% in 5B-7B tier
9
Net Charge-Off Rate
risk
Value: 0.34%
Peer Median: -
#9 of 35 Top 22.9% in 5B-7B tier
9
Total Assets
balance_sheet
Value: $6.31B
Peer Median: -
#9 of 35 Top 22.9% in 5B-7B tier

Top Weaknesses (10 metrics)

35
Net Worth Ratio
risk
Value: 8.03%
Peer Median: -
#35 of 35 Bottom 2.9% in 5B-7B tier
34
Efficiency Ratio
profitability
Value: 87.77%
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
34
Deposit Growth Rate
growth
Value: -2.88%
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
34
AMR Growth Rate
growth
Value: -3.36%
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
34
Members Per Employee (MPE)
engagement
Value: 281.438
Peer Median: -
#34 of 35 Bottom 5.7% in 5B-7B tier
33
Return on Assets (ROA)
profitability
Value: 0.35%
Peer Median: -
#33 of 35 Bottom 8.6% in 5B-7B tier
31
Asset Growth Rate
growth
Value: 0.46%
Peer Median: -
#31 of 35 Bottom 14.3% in 5B-7B tier
31
Total Deposits
balance_sheet
Value: $4.37B
Peer Median: -
#31 of 35 Bottom 14.3% in 5B-7B tier
30
First Mortgage Concentration (%)
balance_sheet
Value: 51.73%
Peer Median: -
#30 of 35 Bottom 17.1% in 5B-7B tier
28
Total Loans
balance_sheet
Value: $3.48B
Peer Median: -
#28 of 35 Bottom 22.9% in 5B-7B tier
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