BlastPoint's Credit Union Scorecard

WEPCO

Charter #6685 · MD

1069 CUs in 100M-500M nationally 16 in MD

WEPCO has 6 strengths but faces 7 concerns

National Analysis

How does the industry compare?
MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 46.5% in tier
  • + ROA 0.69% above tier average
  • + Net Interest Margin 0.71% above tier average
  • + Total Members: Top 1.1% in tier
  • + Members Per Employee (MPE): Top 2.4% in tier
  • + Efficiency Ratio: Top 7.2% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 22.1% in tier
  • - Shrinking Wallet Share: Bottom 43.5% in tier
  • - Cost Spiral: Bottom 68.9% in tier
  • - Indirect Auto Dependency: Bottom 74.7% in tier
  • - Delinquency rate 0.23% above tier average
  • - Average Member Relationship (AMR): Bottom 5.8% in tier
  • - AMR Growth Rate: Bottom 7.3% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 41,798
+1.8% YoY-0.6% QoQ
 +26.4K 15,437
-2.9% YoY
 34,239
+5.1% YoY
 33,374
+5.7% YoY
 Top 1.2% in tier
Assets $380.3M
+1.8% YoY+0.9% QoQ
 +$148.5M $231.9M
+1.3% YoY
 $633.8M
+10.2% YoY
 $561.6M
+9.7% YoY
 Top 13.9% in tier
Loans $255.0M
-3.5% YoY+0.3% QoQ
 +$107.6M $147.3M
-0.1% YoY
 $458.0M
+9.3% YoY
 $397.0M
+8.8% YoY
 Top 13.2% in tier
Deposits $320.7M
+0.4% YoY+0.8% QoQ
 +$119.9M $200.8M
+0.8% YoY
 $535.8M
+9.7% YoY
 $477.3M
+9.7% YoY
 85%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.5%
-13.1% YoY-7.7% QoQ
 +0.7% 0.8%
+18.2% YoY
 0.6%
+24.3% YoY
 0.7%
+15.9% YoY
 Top 11.9% in tier
NIM 4.3%
+4.4% YoY+1.1% QoQ
 +0.7% 3.6%
+6.7% YoY
 3.5%
+4.9% YoY
 3.8%
+5.1% YoY
 Top 14.4% in tier
Efficiency Ratio 59.9%
+9.2% YoY+7.4% QoQ
 -17.1% 77.0%
-3.1% YoY
 79.3%
-5.8% YoY
 79.7%
-3.3% YoY
 Bottom 7.2% in tier
Delinquency Rate 1.1%
-37.1% YoY+33.7% QoQ
 +0.2 0.9%
+4.2% YoY
 1.3%
-2.3% YoY
 1.3%
-2.1% YoY
 75%
Loan To Share 79.5%
-3.9% YoY-0.5% QoQ
 +7.3% 72.2%
-1.1% YoY
 65.5%
+0.8% YoY
 67.4%
-1.7% YoY
 62%
AMR $13,771
-3.1% YoY+1.1% QoQ
 $-11K $24,676
+3.4% YoY
 $21,154
+5.1% YoY
 $19,687
+2.0% YoY
 Bottom 5.7% in tier
CD Concentration 17.5%
-4.9% YoY+9.2% QoQ
 -6.9% 24.4% 20.4% 19.8% 50%
Indirect Auto % 31.3%
-8.2% YoY-0.9% QoQ
 +17.5% 13.8% 7.3% 7.8% 50%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth
#277 of 595 • Top 46.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.83%
(Tier: 0.69%, National: 4.32%)
better than tier avg
Return on Assets: 1.45%
(Tier: 0.75%, National: 0.67%)
better than tier avg
Indirect Auto %: 31.29%
(Tier: 13.79%, National: 7.78%)
but worse than tier avg
595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally
→ No prior data (595 CUs now) | New qualifier

Concerns (4)

Margin Compression

decline
#28 of 123 • Bottom 22.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.45%
(Tier: 0.75%, National: 0.67%)
but better than tier avg
ROA (Prior Year): 1.67%
(Tier: 0.63%, National: 0.62%)
but better than tier avg
ROA Change (YoY): -0.22% points
(Tier: 0.11% points, National: 0.02% points)
worse than tier avg
123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally
→ No prior data (123 CUs now) | New qualifier

Shrinking Wallet Share

decline
#91 of 208 • Bottom 43.5% in tier

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

Why This Signature
AMR Growth (YoY): -3.13%
(Tier: 4.17%, National: 4.00%)
worse than tier avg
208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally
↓ Shrinking -190 CUs YoY | New qualifier

Cost Spiral

risk
#32 of 46 • Bottom 68.9% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 5.07% points
(Tier: -2.44% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): 45.38%
(Tier: 60.04%, National: 63.66%)
but better than tier avg
46 of 1069 Mid-Small & Community CUs have this signature | 58 nationally
↓ Shrinking -30 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#378 of 506 • Bottom 74.7% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 1.78%
(Tier: 5.37%, National: 3.54%)
worse than tier avg
Indirect Auto %: 31.29%
(Tier: 13.79%, National: 7.78%)
worse than tier avg
Member Growth (YoY): 1.83%
(Tier: 0.69%, National: 4.32%)
but better than tier avg
506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -35 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 1069 peers in tier

Top Strengths (10 metrics)

13
Total Members
engagement
Value: 41,798
Peer Median: -
#13 of 1069 Top 1.1% in 100M-500M tier
27
Members Per Employee (MPE)
engagement
Value: 588.704
Peer Median: -
#27 of 1069 Top 2.4% in 100M-500M tier
78
Efficiency Ratio
profitability
Value: 59.90%
Peer Median: -
#78 of 1069 Top 7.2% in 100M-500M tier
127
Return on Assets (ROA)
profitability
Value: 1.45%
Peer Median: -
#127 of 1069 Top 11.8% in 100M-500M tier
141
Total Loans
balance_sheet
Value: $254.96M
Peer Median: -
#141 of 1069 Top 13.1% in 100M-500M tier
148
Net Worth Ratio
risk
Value: 15.36%
Peer Median: -
#148 of 1069 Top 13.8% in 100M-500M tier
149
Total Assets
balance_sheet
Value: $380.32M
Peer Median: -
#149 of 1069 Top 13.8% in 100M-500M tier
154
Net Interest Margin (NIM)
profitability
Value: 4.31%
Peer Median: -
#154 of 1069 Top 14.3% in 100M-500M tier
163
Total Deposits
balance_sheet
Value: $320.66M
Peer Median: -
#163 of 1069 Top 15.2% in 100M-500M tier
175
First Mortgage Concentration (%)
balance_sheet
Value: 13.12%
Peer Median: -
#175 of 1069 Top 16.3% in 100M-500M tier

Top Weaknesses (9 metrics)

1008
Average Member Relationship (AMR)
engagement
Value: $13,771
Peer Median: -
#1008 of 1069 Bottom 5.8% in 100M-500M tier
992
AMR Growth Rate
growth
Value: -3.13%
Peer Median: -
#992 of 1069 Bottom 7.3% in 100M-500M tier
931
Fee Income Per Member
profitability
Value: $96.59
Peer Median: -
#931 of 1069 Bottom 13.0% in 100M-500M tier
926
Net Charge-Off Rate
risk
Value: 0.87%
Peer Median: -
#926 of 1069 Bottom 13.5% in 100M-500M tier
921
Loan-to-Member Ratio (LMR)
engagement
Value: $6,100
Peer Median: -
#921 of 1069 Bottom 13.9% in 100M-500M tier
913
Indirect Auto Concentration (%)
balance_sheet
Value: 31.29%
Peer Median: -
#913 of 1069 Bottom 14.7% in 100M-500M tier
899
Loan Growth Rate
growth
Value: -3.49%
Peer Median: -
#899 of 1069 Bottom 16.0% in 100M-500M tier
862
Deposit Growth Rate
growth
Value: 0.42%
Peer Median: -
#862 of 1069 Bottom 19.5% in 100M-500M tier
807
Total Delinquency Rate (60+ days)
risk
Value: 1.13%
Peer Median: -
#807 of 1069 Bottom 24.6% in 100M-500M tier
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