BlastPoint's Credit Union Scorecard
WESTBY CO-OP
Charter #67208 · WI
WESTBY CO-OP has 8 strengths but faces 4 concerns
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How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.9% in tier
- + Organic Growth Leader: Top 30.2% in tier
- + Profitability Leader: Top 72.9% in tier
- + Relationship Depth Leader: Top 97.7% in tier
- + ROA 0.55% above tier average
- + Net Interest Margin 0.10% above tier average
- + Total Assets: Top 4.5% in tier
- + Net Worth Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.0% in tier
- - Delinquency rate 0.78% above tier average
- - Members Per Employee (MPE): Bottom 1.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,290
+0.7% YoY+0.5% QoQ
|
-10.8K |
52,114
-2.1% YoY
|
38,719
+8.7% YoY
|
33,089
+6.1% YoY
|
27% |
| Assets |
$972.9M
+4.8% YoY+0.4% QoQ
|
+$113.9M |
$859.0M
+0.0% YoY
|
$717.4M
+12.8% YoY
|
$547.7M
+7.8% YoY
|
Top 5.4% in tier |
| Loans |
$702.6M
-0.2% YoY-0.8% QoQ
|
+$99.3M |
$603.4M
+1.0% YoY
|
$555.6M
+13.3% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$793.5M
+3.9% YoY+0.0% QoQ
|
+$59.4M |
$734.2M
+0.9% YoY
|
$603.1M
+13.2% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
1.3%
+45.5% YoY+4.7% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.7%
-20.1% YoY
|
0.7%
+273.4% YoY
|
82% |
| NIM |
3.5%
+2.4% YoY+0.7% QoQ
|
+0.1% |
3.4%
+9.6% YoY
|
3.5%
-0.2% YoY
|
3.7%
+5.0% YoY
|
56% |
| Efficiency Ratio |
67.3%
-5.8% YoY-1.3% QoQ
|
-7.2% |
74.5%
-3.2% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.6%
+63.4% YoY+42.8% QoQ
|
+0.8 |
0.8%
+5.0% YoY
|
1.0%
+20.8% YoY
|
1.2%
-0.9% YoY
|
Top 8.0% in tier |
| Loan To Share |
88.5%
-3.9% YoY-0.9% QoQ
|
+5.9% |
82.7%
+0.1% YoY
|
80.3%
+0.1% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$36,236
+1.2% YoY-0.8% QoQ
|
+$8K |
$28,651
+2.5% YoY
|
$22,950
+4.4% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
32.8%
+2.6% YoY+0.1% QoQ
|
+8.4% |
24.4%
+4.2% YoY
|
21.1%
+6.2% YoY
|
19.6%
+6.2% YoY
|
79% |
| Indirect Auto % |
9.0%
-14.5% YoY-3.1% QoQ
|
-4.9% |
14.0%
-5.7% YoY
|
8.1%
-7.1% YoY
|
7.9%
-2.9% YoY
|
52% |
Signature Analysis
Strengths (4)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)