BlastPoint's Credit Union Scorecard

WEPCO

Charter #6685 · MD

1077 CUs in 100M-500M nationally 16 in MD

WEPCO has 7 strengths but faces 5 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 9.3% in tier
  • + Profitability Leader: Top 37.5% in tier
  • + ROA 0.78% above tier average
  • + Net Interest Margin 0.68% above tier average
  • + Total Members: Top 1.0% in tier
  • + Members Per Employee (MPE): Top 2.3% in tier
  • + Efficiency Ratio: Top 4.9% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 0.2% in tier
  • - Shrinking Wallet Share: Bottom 8.9% in tier
  • - Indirect Auto Dependency: Bottom 24.9% in tier
  • - Average Member Relationship (AMR): Bottom 5.2% in tier
  • - AMR Growth Rate: Bottom 6.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 42,033
+2.9% YoY+0.8% QoQ
 +26.4K 15,628
-3.4% YoY
 34,720
+7.7% YoY
 33,089
+6.1% YoY
 Top 1.1% in tier
Assets $377.0M
+1.3% YoY-1.7% QoQ
 +$145.7M $231.3M
-0.0% YoY
 $624.1M
+9.4% YoY
 $547.7M
+7.8% YoY
 Top 14.0% in tier
Loans $254.3M
-2.1% YoY+0.6% QoQ
 +$106.5M $147.8M
-1.4% YoY
 $452.1M
+10.3% YoY
 $388.7M
+8.6% YoY
 Top 13.4% in tier
Deposits $318.1M
-0.1% YoY-2.2% QoQ
 +$117.8M $200.3M
-0.0% YoY
 $528.8M
+10.3% YoY
 $464.6M
+9.3% YoY
 85%

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Tier 1
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Performance signatures (strengths & concerns)
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ROA 1.6%
-27.2% YoY+2.2% QoQ
 +0.8% 0.8%
+15.5% YoY
 0.6%
+23.1% YoY
 0.7%
+273.4% YoY
 Top 10.3% in tier
NIM 4.3%
+0.1% YoY+2.9% QoQ
 +0.7% 3.6%
+6.9% YoY
 3.5%
+4.2% YoY
 3.7%
+5.0% YoY
 Top 15.0% in tier
Efficiency Ratio 55.8%
+6.2% YoY+1.7% QoQ
 -21.5% 77.3%
-3.0% YoY
 78.6%
-6.6% YoY
 79.1%
-3.3% YoY
 Bottom 4.9% in tier
Delinquency Rate 0.8%
-48.7% YoY-26.6% QoQ
 -0.0 0.9%
+7.6% YoY
 1.2%
+5.3% YoY
 1.2%
-0.9% YoY
 63%
Loan To Share 79.9%
-2.0% YoY+2.9% QoQ
 +7.2% 72.7%
-1.5% YoY
 65.0%
-0.2% YoY
 68.0%
-1.7% YoY
 63%
AMR $13,617
-3.8% YoY-1.8% QoQ
 $-11K $24,363
+2.9% YoY
 $20,685
+4.6% YoY
 $19,418
+1.3% YoY
 Bottom 5.1% in tier
CD Concentration 16.0%
-13.5% YoY-6.5% QoQ
 -8.4% 24.4%
+4.2% YoY
 20.4%
+10.6% YoY
 19.6%
+6.2% YoY
 50%
Indirect Auto % 31.6%
-5.1% YoY-2.1% QoQ
 +17.6% 14.0%
-5.7% YoY
 7.4%
+4.0% YoY
 7.9%
-2.9% YoY
 50%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth
#172 of 603 • Top 9.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.92%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.57%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 31.59%
(Tier: 13.97%, National: 7.90%)
but worse than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Profitability Leader

growth
#128 of 340 • Top 37.5% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature
Return on Assets: 1.57%
(Tier: 0.77%, National: 0.71%)
better than tier avg
ROA Change (YoY): -0.59% points
(Tier: 0.11% points, National: 0.05% points)
but worse than tier avg
340 of 1077 Community CUs have this signature | 457 nationally
→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (3)

Margin Compression

decline
#2 of 136 • Bottom 0.2% 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: 1.57%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA (Prior Year): 2.16%
(Tier: 0.66%, National: 0.67%)
but better than tier avg
ROA Change (YoY): -0.59% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | New qualifier

Shrinking Wallet Share

decline
#90 of 244 • Bottom 8.9% in tier

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

Why This Signature
AMR Growth (YoY): -3.83%
(Tier: 3.68%, National: 4.19%)
worse than tier avg
244 of 1077 Community CUs have this signature | 346 nationally
↓ Shrinking -221 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#401 of 525 • Bottom 24.9% in tier

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

Why This Signature
Asset Growth (YoY): 1.33%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Indirect Auto %: 31.59%
(Tier: 13.97%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 2.92%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
525 of 1077 Community CUs have this signature | 768 nationally
↓ Shrinking -18 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 1077 peers in tier

Top Strengths (11 metrics)

12
Total Members
engagement
Value: 42,033
Peer Avg: -
#12 of 1077 Top 1.0% in 100M-500M tier
26
Members Per Employee (MPE)
engagement
Value: 600.471
Peer Avg: -
#26 of 1077 Top 2.3% in 100M-500M tier
54
Efficiency Ratio
profitability
Value: 55.76%
Peer Avg: -
#54 of 1077 Top 4.9% in 100M-500M tier
111
Return on Assets (ROA)
profitability
Value: 1.57%
Peer Avg: -
#111 of 1077 Top 10.2% in 100M-500M tier
144
Total Loans
balance_sheet
Value: $254.28M
Peer Avg: -
#144 of 1077 Top 13.3% in 100M-500M tier
150
Net Worth Ratio
risk
Value: 15.37%
Peer Avg: -
#150 of 1077 Top 13.8% in 100M-500M tier
151
Total Assets
balance_sheet
Value: $376.96M
Peer Avg: -
#151 of 1077 Top 13.9% in 100M-500M tier
162
Net Interest Margin (NIM)
profitability
Value: 4.26%
Peer Avg: -
#162 of 1077 Top 14.9% in 100M-500M tier
163
Total Deposits
balance_sheet
Value: $318.08M
Peer Avg: -
#163 of 1077 Top 15.0% in 100M-500M tier
181
First Mortgage Concentration (%)
balance_sheet
Value: 13.14%
Peer Avg: -
#181 of 1077 Top 16.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1022
Average Member Relationship (AMR)
engagement
Value: $13,617
Peer Avg: -
#1022 of 1077 Bottom 5.2% in 100M-500M tier
1011
AMR Growth Rate
growth
Value: -3.83%
Peer Avg: -
#1011 of 1077 Bottom 6.2% in 100M-500M tier
953
Fee Income Per Member
profitability
Value: $89.82
Peer Avg: -
#953 of 1077 Bottom 11.6% in 100M-500M tier
929
Net Charge-Off Rate
risk
Value: 0.85%
Peer Avg: -
#929 of 1077 Bottom 13.8% in 100M-500M tier
926
Loan-to-Member Ratio (LMR)
engagement
Value: $6,049
Peer Avg: -
#926 of 1077 Bottom 14.1% in 100M-500M tier
914
Indirect Auto Concentration (%)
balance_sheet
Value: 31.59%
Peer Avg: -
#914 of 1077 Bottom 15.2% in 100M-500M tier
879
Deposit Growth Rate
growth
Value: -0.12%
Peer Avg: -
#879 of 1077 Bottom 18.5% in 100M-500M tier
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