BlastPoint's Credit Union Scorecard

WESTBY CO-OP

Charter #67208 · WI

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in WI

View Mid-Market leaderboard →

WESTBY CO-OP has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WI Analysis

How does WI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 61.8% in tier
+ Organic Growth Engine: Top 66.8% in tier
+ Organic Growth Leader: Top 66.8% in tier
+ ROA 0.60% above tier average
+ Net Interest Margin 0.22% above tier average
+ Net Worth Ratio: Top 6.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.5% in tier
- Margin Compression: Bottom 12.0% in tier
- Credit Risk Growth: Bottom 78.7% in tier
- Delinquency rate 0.57% above tier average
- Total Assets: Bottom 1.0% in tier
- Total Deposits: Bottom 1.0% in tier
- Members Per Employee (MPE): Bottom 1.6% in tier
- Total Members: Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	41,218 +0.7% YoY+0.3% QoQ	-54.8K	96,048 -2.7% YoY	39,491 +5.5% YoY	33,913 +5.7% YoY	Bottom 2.6% in tier
Assets	$1.0B +4.4% YoY+0.6% QoQ	$-717.1M	$1.7B +0.4% YoY	$762.9M +12.1% YoY	$578.3M +9.0% YoY	Bottom 0.7% in tier
Loans	$706.8M +0.7% YoY+0.6% QoQ	$-507.0M	$1.2B +0.2% YoY	$579.7M +11.3% YoY	$402.4M +8.7% YoY	Bottom 7.8% in tier
Deposits	$817.3M +3.7% YoY+0.3% QoQ	$-648.2M	$1.5B +0.5% YoY	$643.6M +11.9% YoY	$494.3M +9.1% YoY	Bottom 0.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.3% -8.4% YoY+16.2% QoQ	+0.6%	0.7% +27.6% YoY	0.3% +1.8% YoY	0.4% -39.2% YoY	Top 11.8% in tier
NIM	3.6% +4.0% YoY+3.0% QoQ	+0.2%	3.4% +6.2% YoY	3.4% +8.2% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	65.6% -1.8% YoY-2.9% QoQ	-9.0%	74.6% -3.0% YoY	77.2% -0.5% YoY	84.6% +2.8% YoY	Top 14.1% in tier
Delinquency Rate	1.3% +65.8% YoY-13.6% QoQ	+0.6	0.8% +6.9% YoY	0.7% -8.9% YoY	1.2% +3.4% YoY	Bottom 10.8% in tier
Loan To Share	86.5% -3.0% YoY+0.3% QoQ	+3.3%	83.2% -0.4% YoY	78.6% -0.5% YoY	65.6% -1.4% YoY	54%
AMR	$36,976 +1.6% YoY+0.2% QoQ	+$7K	$29,652 +2.3% YoY	$24,071 +7.1% YoY	$19,920 +1.6% YoY	Top 14.4% in tier
CD Concentration	32.9% +0.4% YoY+2.4% QoQ	+4.0%	28.8%	21.6%	19.8%	68%
Indirect Auto %	8.5% -12.2% YoY-1.2% QoQ	-9.6%	18.1%	8.0%	7.7%	35%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#78 of 115 • Top 66.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.67%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 1.32%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 8.50%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Relationship Depth Leader

growth

#61 of 64 • Top 61.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.61%

(Tier: 3.34%, National: 6.36%)

but worse than tier avg

Share Draft per Member: $5.2K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank improving

Organic Growth Leader

growth

#112 of 116 • Top 66.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.67%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 8.50%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#21 of 225 • Bottom 5.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.53% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Credit Risk Growth

risk

#98 of 183 • Bottom 78.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 0.66%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.53% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Margin Compression

decline

#18 of 24 • Bottom 12.0% 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: 1.32%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.44%

(Tier: 0.58%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.12% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

24 of 384 Mid-Market CUs have this signature | 162 nationally

→ No prior data (24 CUs now) | 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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 15.67%

Peer Median: 10.85%

#21 of 306 Top 6.5% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.32%

Peer Median: 0.66%

#36 of 306 Top 11.4% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,147

Peer Median: $12,733

#37 of 306 Top 11.8% in 1B-3B tier

Efficiency Ratio

profitability

Value: 65.60%

Peer Median: 75.16%

#44 of 306 Top 14.1% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $36,976

Peer Median: $28,178

#44 of 306 Top 14.1% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.55%

Peer Median: 33.05%

#66 of 306 Top 21.2% in 1B-3B tier

Fee Income Per Member

profitability

Value: $249.35

Peer Median: $191.54

#69 of 306 Top 22.2% in 1B-3B tier

Top Weaknesses (7 metrics)

304

Total Assets

balance_sheet

Value: $1.00B

Peer Median: $1.51B

#304 of 306 Bottom 1.0% in 1B-3B tier

304

Total Deposits

balance_sheet

Value: $817.30M

Peer Median: $1.31B

#304 of 306 Bottom 1.0% in 1B-3B tier

302

Members Per Employee (MPE)

engagement

Value: 184.834

Peer Median: 345.077

#302 of 306 Bottom 1.6% in 1B-3B tier

298

Total Members

engagement

Value: 41,218

Peer Median: 85,918

#298 of 306 Bottom 2.9% in 1B-3B tier

282

Total Loans

balance_sheet

Value: $706.76M

Peer Median: $1.11B

#282 of 306 Bottom 8.2% in 1B-3B tier

274

Total Delinquency Rate (60+ days)

risk

Value: 1.32%

Peer Median: 0.63%

#274 of 306 Bottom 10.8% in 1B-3B tier

236

Loan Growth Rate

growth

Value: 0.66%

Peer Median: 5.67%

#236 of 306 Bottom 23.2% in 1B-3B tier