BlastPoint's Credit Union Scorecard

WEPCO

Charter #6685 · MD

100M-500M
1070 CUs in 100M-500M nationally 15 in MD

WEPCO has 4 strengths but faces 6 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

  • + ROA 0.96% above tier average
  • + Net Interest Margin 0.37% above tier average
  • + Total Members: Top 0.8% in tier
  • + Members Per Employee (MPE): Top 1.8% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Delinquency rate 0.06% above tier average
  • - Average Member Relationship (AMR): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (MD) National Avg Tier Percentile
Members 42,117
+1.9% YoY+0.8% QoQ
 +27.0K 15,145
-2.5% YoY
 35,042
+5.0% YoY
 33,913
+5.7% YoY
 Top 0.9% in tier
Assets $397.3M
+3.5% YoY+4.5% QoQ
 +$165.6M $231.7M
+0.8% YoY
 $654.4M
+9.6% YoY
 $578.3M
+9.0% YoY
 Top 11.5% in tier
Loans $253.1M
-1.7% YoY-0.7% QoQ
 +$109.0M $144.1M
+0.2% YoY
 $458.0M
+7.3% YoY
 $402.4M
+8.7% YoY
 Top 12.0% in tier
Deposits $336.1M
+2.7% YoY+4.8% QoQ
 +$135.0M $201.1M
+0.4% YoY
 $558.1M
+9.3% YoY
 $494.3M
+9.1% YoY
 Top 12.3% 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 1.7%
-12.0% YoY+16.3% QoQ
 +1.0% 0.7%
+5.1% YoY
 0.5%
+20.2% YoY
 0.4%
-39.2% YoY
 Top 7.8% in tier
NIM 4.0%
-1.5% YoY-7.3% QoQ
 +0.4% 3.6%
+4.6% YoY
 3.4%
+2.6% YoY
 3.8%
+4.1% YoY
 73%
Efficiency Ratio 61.8%
+15.0% YoY+3.2% QoQ
 -16.2% 78.0%
-1.7% YoY
 82.5%
-2.2% YoY
 84.6%
+2.8% YoY
 Top 10.6% in tier
Delinquency Rate 0.8%
-5.8% YoY-25.7% QoQ
 +0.1 0.8%
+7.1% YoY
 1.2%
+17.1% YoY
 1.2%
+3.4% YoY
 67%
Loan To Share 75.3%
-4.3% YoY-5.3% QoQ
 +4.9% 70.4%
-0.4% YoY
 63.5%
+1.0% YoY
 65.6%
-1.4% YoY
 56%
AMR $13,990
-1.0% YoY+1.6% QoQ
 $-11K $24,918
+2.7% YoY
 $21,172
+3.9% YoY
 $19,920
+1.6% YoY
 Bottom 5.8% in tier
CD Concentration 18.2%
+2.4% YoY+3.6% QoQ
 -6.1% 24.3% 21.1% 19.8% 50%
Indirect Auto % 31.2%
-7.1% YoY-0.4% QoQ
 +17.4% 13.8% 7.3% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Margin Compression

decline
#17 of 133 • Bottom 50.0% 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: 1.69%
(Tier: 0.72%, National: 0.39%)
but better than tier avg
ROA (Prior Year): 1.92%
(Tier: 0.67%, National: 0.75%)
but better than tier avg
ROA Change (YoY): -0.23% points
(Tier: 0.05% points, National: -0.45% points)
worse than tier avg
133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally
→ No prior data (133 CUs now) | New qualifier

Cost Spiral

risk
#23 of 83 • Bottom 50.0% 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: 8.08% points
(Tier: -1.19% points, National: 2.52% points)
worse than tier avg
Efficiency Ratio (Prior Year): 43.37%
(Tier: 60.69%, National: 64.04%)
but better than tier avg
83 of 1070 Mid-Small & Community CUs have this signature | 96 nationally
→ Stable (87→83 CUs) -4 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#287 of 504 • Bottom 50.0% in tier

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

Why This Signature
Asset Growth (YoY): 3.46%
(Tier: 4.68%, National: 1663.40%)
worse than tier avg
Indirect Auto %: 31.17%
(Tier: 13.80%, National: 7.73%)
worse than tier avg
Member Growth (YoY): 1.85%
(Tier: 0.72%, National: 10.19%)
but better than tier avg
504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally
↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline
#202 of 238 • Bottom 50.0% in tier

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

Why This Signature
AMR Growth (YoY): -1.03%
(Tier: 3.74%, National: 6.36%)
worse than tier avg
238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally
↓ Shrinking -109 CUs YoY | 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 1070 peers in tier

Top Strengths (9 metrics)

10
Total Members
engagement
Value: 42,117
Peer Median: 13,200
#10 of 1070 Top 0.8% in 100M-500M tier
20
Members Per Employee (MPE)
engagement
Value: 610.391
Peer Median: 309.176
#20 of 1070 Top 1.8% in 100M-500M tier
83
Return on Assets (ROA)
profitability
Value: 1.69%
Peer Median: 0.69%
#83 of 1070 Top 7.7% in 100M-500M tier
114
Efficiency Ratio
profitability
Value: 61.81%
Peer Median: 78.68%
#114 of 1070 Top 10.6% in 100M-500M tier
123
Total Assets
balance_sheet
Value: $397.29M
Peer Median: $196.57M
#123 of 1070 Top 11.4% in 100M-500M tier
128
Total Loans
balance_sheet
Value: $253.13M
Peer Median: $121.41M
#128 of 1070 Top 11.9% in 100M-500M tier
132
Total Deposits
balance_sheet
Value: $336.10M
Peer Median: $171.29M
#132 of 1070 Top 12.2% in 100M-500M tier
152
Net Worth Ratio
risk
Value: 15.13%
Peer Median: 11.45%
#152 of 1070 Top 14.1% in 100M-500M tier
180
First Mortgage Concentration (%)
balance_sheet
Value: 12.94%
Peer Median: 29.47%
#180 of 1070 Top 16.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1008
Average Member Relationship (AMR)
engagement
Value: $13,990
Peer Median: $22,931
#1008 of 1070 Bottom 5.9% in 100M-500M tier
925
Fee Income Per Member
profitability
Value: $89.05
Peer Median: $154.95
#925 of 1070 Bottom 13.6% in 100M-500M tier
923
Loan-to-Member Ratio (LMR)
engagement
Value: $6,010
Peer Median: $9,356
#923 of 1070 Bottom 13.8% in 100M-500M tier
916
Net Charge-Off Rate
risk
Value: 0.89%
Peer Median: 0.35%
#916 of 1070 Bottom 14.5% in 100M-500M tier
912
Indirect Auto Concentration (%)
balance_sheet
Value: 31.17%
Peer Median: 6.61%
#912 of 1070 Bottom 14.9% in 100M-500M tier
903
AMR Growth Rate
growth
Value: -1.03%
Peer Median: 3.46%
#903 of 1070 Bottom 15.7% in 100M-500M tier
805
Loan Growth Rate
growth
Value: -1.66%
Peer Median: 2.93%
#805 of 1070 Bottom 24.9% in 100M-500M tier
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