BlastPoint's Credit Union Scorecard

WESCOM CENTRAL

Charter #66703 · CA

Large 5B-7B
37 CUs in 5B-7B nationally 6 in CA
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WESCOM CENTRAL has 3 strengths but faces 8 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 42.2% in tier
  • + Organic Growth Engine: Top 42.2% in tier
  • + Share Certificate Concentration (%): Top 2.7% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 1.5% in tier
  • - Credit Quality Pressure: Bottom 15.6% in tier
  • - Credit Risk Growth: Bottom 56.2% in tier
  • - Shrinking Wallet Share: Bottom 98.4% in tier
  • - Deposit Outflow: Bottom 100.0% in tier
  • - ROA 0.63% below tier average
  • - Efficiency ratio 22.64% above tier (higher cost structure)
  • - Net Worth Ratio: Bottom 2.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Members 263,628
+3.4% YoY+0.9% QoQ
 -44.2K 307,793
+7.6% YoY
 57,202
-0.9% YoY
 33,913
+5.7% YoY
 27%
Assets $6.5B
-0.3% YoY+2.6% QoQ
 +$702.7M $5.8B
-0.2% YoY
 $1.2B
+0.4% YoY
 $578.3M
+9.0% YoY
 81%
Loans $3.5B
+4.1% YoY+0.3% QoQ
 $-663.3M $4.2B
+0.4% YoY
 $813.8M
+0.1% YoY
 $402.4M
+8.7% YoY
 22%
Deposits $4.4B
-4.7% YoY+0.7% QoQ
 $-497.9M $4.9B
+0.2% YoY
 $1.0B
+1.2% YoY
 $494.3M
+9.1% YoY
 Bottom 13.5% 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 0.2%
+36.0% YoY-32.9% QoQ
 -0.6% 0.9%
+47.0% YoY
 2.1%
+290.7% YoY
 0.4%
-39.2% YoY
 Bottom 2.7% in tier
NIM 3.0%
+10.1% YoY+3.0% QoQ
 -0.1% 3.2%
+9.8% YoY
 5.0%
+56.5% YoY
 3.8%
+4.1% YoY
 30%
Efficiency Ratio 89.2%
-3.1% YoY+1.7% QoQ
 +22.6% 66.6%
-11.0% YoY
 81.3%
-2.7% YoY
 84.6%
+2.8% YoY
 Bottom 2.7% in tier
Delinquency Rate 0.4%
+65.5% YoY-5.2% QoQ
 -0.3 0.7%
+23.3% YoY
 0.6%
-45.1% YoY
 1.2%
+3.4% YoY
 22%
Loan To Share 79.4%
+9.2% YoY-0.5% QoQ
 -5.3% 84.7%
-0.7% YoY
 67.3%
-0.6% YoY
 65.6%
-1.4% YoY
 24%
AMR $29,926
-4.2% YoY-0.4% QoQ
 $-2K $32,237
-7.3% YoY
 $28,733
+1.2% YoY
 $19,920
+1.6% YoY
 46%
CD Concentration 13.6%
-30.6% YoY-4.1% QoQ
 -15.1% 28.6% 21.6% 19.8% Bottom 4.5% in tier
Indirect Auto % 0.6%
-40.8% YoY-13.0% QoQ
 -15.8% 16.4% 9.0% 7.7% Top 13.6% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth
#9 of 22 • Top 42.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.42%
(Tier: 4.32%, National: 10.19%)
but worse than tier avg
Indirect Auto %: 0.56%
(Tier: 16.37%, National: 7.73%)
better than tier avg
22 of 66 Large CUs have this signature | 518 nationally
→ No prior data (22 CUs now) | New qualifier

Organic Growth Engine

growth
#17 of 22 • Top 42.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.42%
(Tier: 4.32%, National: 10.19%)
but worse than tier avg
Return on Assets: 0.23%
(Tier: 0.90%, National: 0.39%)
but worse than tier avg
Indirect Auto %: 0.56%
(Tier: 16.37%, National: 7.73%)
better than tier avg
22 of 66 Large CUs have this signature | 499 nationally
→ No prior data (22 CUs now) | New qualifier

Concerns (5)

Deposit Outflow

decline
#1 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): -4.67%
(Tier: 8.89%, National: 64.06%)
worse than tier avg
Member Growth (YoY): 3.42%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
3 of 66 Large CUs have this signature | 98 nationally
→ No prior data (3 CUs now) | New qualifier

Efficiency Drag

risk
#1 of 5 • Bottom 1.5% in tier

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

Why This Signature
Efficiency Ratio: 89.22%
(Tier: 66.35%, National: 84.64%)
worse than tier avg
ROA Change (YoY): 0.06% points
(Tier: 0.13% points, National: -0.45% points)
worse than tier avg
Member Growth (YoY): 3.42%
(Tier: 4.32%, National: 10.19%)
worse than tier avg
5 of 66 Large CUs have this signature | 702 nationally
→ Stable (8→5 CUs) -3 CUs YoY

Shrinking Wallet Share

decline
#2 of 13 • Bottom 98.4% in tier

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

Why This Signature
AMR Growth (YoY): -4.25%
(Tier: 4.10%, National: 6.36%)
worse than tier avg
13 of 66 Large CUs have this signature | 335 nationally
→ Stable (14→13 CUs) -1 CUs YoY

Credit Quality Pressure

risk
#10 of 42 • Bottom 15.6% in tier

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

Why This Signature
Delinquency Change (YoY): 0.15% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
42 of 66 Large CUs have this signature | 1013 nationally
→ Stable (39→42 CUs) +3 CUs YoY | Rank improving

Credit Risk Growth

risk
#17 of 35 • Bottom 56.2% in tier

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

Why This Signature
Loan Growth (YoY): 4.10%
(Tier: 7.53%, National: 1.74%)
worse than tier avg
Delinquency Change (YoY): 0.15% points
(Tier: 0.06% points, National: 0.12% points)
worse than tier avg
35 of 66 Large CUs have this signature | 710 nationally
→ No prior data (35 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 37 peers in tier

Top Strengths (6 metrics)

2
Share Certificate Concentration (%)
balance_sheet
Value: 13.56%
Peer Median: 29.06%
#2 of 37 Top 2.7% in 5B-7B tier
6
Indirect Auto Concentration (%)
balance_sheet
Value: 0.56%
Peer Median: 16.71%
#6 of 37 Top 13.5% in 5B-7B tier
7
Fee Income Per Member
profitability
Value: $265.45
Peer Median: $194.06
#7 of 37 Top 16.2% in 5B-7B tier
7
Total Assets
balance_sheet
Value: $6.47B
Peer Median: $5.68B
#7 of 37 Top 16.2% in 5B-7B tier
9
Total Delinquency Rate (60+ days)
risk
Value: 0.37%
Peer Median: 0.65%
#9 of 37 Top 21.6% in 5B-7B tier
9
Net Charge-Off Rate
risk
Value: 0.39%
Peer Median: 0.58%
#9 of 37 Top 21.6% in 5B-7B tier

Top Weaknesses (10 metrics)

37
Efficiency Ratio
profitability
Value: 89.22%
Peer Median: 68.24%
#37 of 37 Bottom 2.7% in 5B-7B tier
37
Net Worth Ratio
risk
Value: 7.88%
Peer Median: 10.38%
#37 of 37 Bottom 2.7% in 5B-7B tier
36
Return on Assets (ROA)
profitability
Value: 0.23%
Peer Median: 0.75%
#36 of 37 Bottom 5.4% in 5B-7B tier
36
Deposit Growth Rate
growth
Value: -4.67%
Peer Median: 7.47%
#36 of 37 Bottom 5.4% in 5B-7B tier
36
AMR Growth Rate
growth
Value: -4.25%
Peer Median: 2.98%
#36 of 37 Bottom 5.4% in 5B-7B tier
35
Members Per Employee (MPE)
engagement
Value: 288.433
Peer Median: 416.780
#35 of 37 Bottom 8.1% in 5B-7B tier
33
First Mortgage Concentration (%)
balance_sheet
Value: 51.27%
Peer Median: 35.35%
#33 of 37 Bottom 13.5% in 5B-7B tier
32
Asset Growth Rate
growth
Value: -0.32%
Peer Median: 7.02%
#32 of 37 Bottom 16.2% in 5B-7B tier
32
Total Deposits
balance_sheet
Value: $4.40B
Peer Median: $4.75B
#32 of 37 Bottom 16.2% in 5B-7B tier
29
Total Loans
balance_sheet
Value: $3.49B
Peer Median: $4.22B
#29 of 37 Bottom 24.3% in 5B-7B tier
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