WESTCONSIN

Charter #66742 | WI

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in WI

WESTCONSIN has 6 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 10.7% in tier
  • + Wallet Share Momentum: Top 15.4% in tier
  • + Organic Growth Engine: Top 16.4% in tier
  • + Organic Growth Leader: Top 21.4% in tier
  • + ROA 0.28% above tier average
  • + Net Interest Margin 0.28% above tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 19.6% in tier
  • - Efficiency ratio 0.51% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Members 126,934
+2.6% YoY+0.7% QoQ
 +28.3K 98,678
-1.9% YoY
 38,719
+8.7% YoY
 33,089
+6.1% YoY
 Top 23.0% in tier
Assets $2.1B
+9.7% YoY+2.6% QoQ
 +$417.5M $1.7B
+0.5% YoY
 $717.4M
+12.8% YoY
 $547.7M
+7.8% YoY
 73rd in tier
Loans $1.5B
+5.8% YoY+1.3% QoQ
 +$232.8M $1.2B
+0.5% YoY
 $555.6M
+13.3% YoY
 $388.7M
+8.6% YoY
 71st in tier
Deposits $1.9B
+9.5% YoY+2.2% QoQ
 +$397.6M $1.5B
+1.3% YoY
 $603.1M
+13.2% YoY
 $464.6M
+9.3% YoY
 75th in tier
ROA 1.0%
+82.1% YoY+8.4% QoQ
 +0.3% 0.7%
+13.4% YoY
 0.7%
-20.1% YoY
 0.7%
+273.4% YoY
 Top 25.0% in tier
NIM 3.5%
+10.3% YoY+0.7% QoQ
 +0.3% 3.3%
+9.3% YoY
 3.5%
-0.2% YoY
 3.7%
+5.0% YoY
 68th in tier
Efficiency Ratio 74.5%
-9.9% YoY-3.5% QoQ
 +0.5% 74.0%
-10.9% YoY
 74.2%
-2.5% YoY
 79.1%
-3.3% YoY
 49th in tier
Delinquency Rate 0.8%
-0.1% YoY+0.5% QoQ
 -0.0 0.8%
+6.1% YoY
 1.0%
+20.8% YoY
 1.2%
-0.9% YoY
 64th in tier
Loan To Share 79.1%
-3.3% YoY-0.9% QoQ
 -6.0% 85.2%
-0.8% YoY
 80.3%
+0.1% YoY
 68.0%
-1.7% YoY
 30th in tier
AMR $26,138
+5.1% YoY+1.0% QoQ
 $-3K $29,172
+2.8% YoY
 $22,950
+4.4% YoY
 $19,418
+1.3% YoY
 42nd in tier
CD Concentration 22.0%
+21.0% YoY+2.6% QoQ
 -7.0% 29.0%
+0.8% YoY
 21.1%
+6.2% YoY
 19.6%
+6.2% YoY
 Bottom 19.5% in tier
Indirect Auto % 13.9%
-15.5% YoY-3.9% QoQ
 -4.9% 18.8%
-2.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 45th in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#78 of 264 • Top 10.7% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.10%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $3.1K, National: $2.0K)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Wallet Share Momentum

growth
#112 of 264 • Top 15.4% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.10%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | New qualifier

Organic Growth Engine

growth
#120 of 246 • Top 16.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.60%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.98%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 13.93%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#85 of 138 • Top 21.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.60%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank worsening

Concerns (1)

Liquidity Overhang

risk
#64 of 113 • Bottom 19.6% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.69%
(Tier: 11.30%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.15%
(Tier: 86.35%, National: 67.96%)
worse than tier avg
113 of 380 Mid-Market CUs have this signature | 691 nationally
↑ Growing +9 CUs YoY | Rank worsening

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 304 peers in tier

Top Strengths (7 metrics)

45
Asset Growth Rate
growth
Value: 9.75%
Peer Avg: 4.83%
#45 of 304 Top 14.5% in 1B-3B tier
49
Deposit Growth Rate
growth
Value: 9.47%
Peer Avg: 5.58%
#49 of 304 Top 15.8% in 1B-3B tier
64
Share Certificate Concentration (%)
balance_sheet
Value: 22.03%
Peer Avg: 28.53%
#64 of 304 Top 20.7% in 1B-3B tier
70
Total Members
engagement
Value: 126,934
Peer Avg: 98,678
#70 of 304 Top 22.7% in 1B-3B tier
72
Net Worth Ratio
risk
Value: 12.69%
Peer Avg: 11.44%
#72 of 304 Top 23.4% in 1B-3B tier
76
Return on Assets (ROA)
profitability
Value: 0.98%
Peer Avg: 0.70%
#76 of 304 Top 24.7% in 1B-3B tier
77
Total Deposits
balance_sheet
Value: $1.85B
Peer Avg: $1.45B
#77 of 304 Top 25.0% in 1B-3B tier

Top Weaknesses (1 metrics)

241
Members Per Employee (MPE)
engagement
Value: 294.510
Peer Avg: 364.953
#241 of 304 Bottom 21.1% in 1B-3B tier