BlastPoint's Credit Union Scorecard
WEPCO
Charter #6685 · MD
WEPCO has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.79% above tier average
- + Net Interest Margin 0.40% above tier average
- + Total Members: Top 1.0% in tier
- + Members Per Employee (MPE): Top 1.5% in tier
- + Efficiency Ratio: Top 10.0% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Delinquency rate 0.10% above tier average
- - Average Member Relationship (AMR): Bottom 5.2% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Maryland.
- Shares and deposits +3.5% year over year ($337M in shares and deposits).
- Membership: 42,591 members, +2.2% vs a year ago.
- Delinquency rate 0.98%.
- Return on assets 1.66%.
- Efficiency ratio 61.35% vs a 76.73% peer average.
- Loan-to-share ratio 76.59% vs a 71.54% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
42,591
+2.2% YoY+1.1% QoQ
|
+27.4K |
15,168
-2.6% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
Top 1.1% in tier |
| Assets |
$399.3M
+4.1% YoY+0.5% QoQ
|
+$167.3M |
$232.0M
+0.7% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
Top 11.3% in tier |
| Loans |
$257.9M
+2.0% YoY+1.9% QoQ
|
+$111.6M |
$146.3M
+0.2% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
Top 11.6% in tier |
| Deposits |
$336.7M
+3.5% YoY+0.2% QoQ
|
+$136.0M |
$200.7M
+0.2% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
Top 12.5% in tier |
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| ROA |
1.7%
+7.7% YoY-1.8% QoQ
|
+0.8% |
0.9%
+12.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
Top 8.9% in tier |
| NIM |
4.1%
-1.5% YoY+2.1% QoQ
|
+0.4% |
3.7%
+4.5% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
61.3%
+11.9% YoY-0.7% QoQ
|
-15.4% |
76.7%
-0.8% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
Top 10.0% in tier |
| Delinquency Rate |
1.0%
-14.5% YoY+17.4% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
76.6%
-1.5% YoY+1.7% QoQ
|
+5.0% |
71.5%
-0.3% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$13,959
+0.6% YoY-0.2% QoQ
|
$-11K |
$25,107
+3.2% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
19.0%
+10.8% YoY+4.7% QoQ
|
-5.5% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
30.9%
-4.1% YoY-0.7% QoQ
|
+17.3% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)