BlastPoint's Credit Union Scorecard

WESTBY CO-OP

Charter #67208 · WI

Mid-Market 1B-3B

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

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WESTBY CO-OP has 7 strengths but faces 7 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

+ Emerging Performer: Top 16.5% in tier
+ Organic Growth Engine: Top 56.5% in tier
+ Organic Growth Leader: Top 56.5% in tier
+ Relationship Depth Leader: Top 64.5% in tier
+ ROA 0.42% above tier average
+ Net Interest Margin 0.15% above tier average
+ Net Worth Ratio: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.4% in tier
- Delinquency rate 0.57% above tier average
- Total Deposits: Bottom 1.3% in tier
- Members Per Employee (MPE): Bottom 1.3% in tier
- Total Members: Bottom 3.0% in tier
- Total Assets: Bottom 3.7% in tier
- Total Loans: Bottom 6.0% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Wisconsin.
Shares and deposits +6.2% year over year ($842M in shares and deposits).
Membership: 41,714 members, +1.5% vs a year ago.
Delinquency rate 1.44%.
Return on assets 1.24%.
Efficiency ratio 66.50% vs a 73.02% peer average.
Loan-to-share ratio 83.76% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Members	41,714 +1.5% YoY+1.2% QoQ	-55.1K	96,861 -1.9% YoY	40,085 +5.1% YoY	34,678 +6.6% YoY	Bottom 2.7% in tier
Assets	$1.0B +5.7% YoY+2.1% QoQ	$-700.4M	$1.7B +0.4% YoY	$782.0M +12.1% YoY	$593.1M +10.2% YoY	Bottom 3.3% in tier
Loans	$705.4M -0.4% YoY-0.2% QoQ	$-528.8M	$1.2B +0.7% YoY	$600.2M +11.1% YoY	$418.6M +10.1% YoY	Bottom 5.7% in tier
Deposits	$842.2M +6.2% YoY+3.0% QoQ	$-621.2M	$1.5B +0.5% YoY	$658.6M +12.2% YoY	$504.8M +10.3% YoY	Bottom 1.0% 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	1.2% +2.9% YoY-5.8% QoQ	+0.4%	0.8% +27.6% YoY	1.0% +81.4% YoY	1.2% +121.4% YoY	85%
NIM	3.6% +3.7% YoY+0.2% QoQ	+0.2%	3.4% +6.6% YoY	3.7% +9.7% YoY	3.8% +2.3% YoY	59%
Efficiency Ratio	66.5% -2.5% YoY+1.4% QoQ	-6.5%	73.0% -2.7% YoY	75.5% -0.0% YoY	83.0% -5.3% YoY	22%
Delinquency Rate	1.4% +28.0% YoY+8.5% QoQ	+0.6	0.9% +7.3% YoY	0.8% -17.5% YoY	1.3% +2.6% YoY	Bottom 13.7% in tier
Loan To Share	83.8% -6.2% YoY-3.1% QoQ	-1.0%	84.7% +0.1% YoY	79.3% -0.8% YoY	66.4% -1.4% YoY	40%
AMR	$37,101 +1.5% YoY+0.3% QoQ	+$8K	$29,575 +1.5% YoY	$24,272 +7.8% YoY	$20,028 -0.9% YoY	Top 12.7% in tier
CD Concentration	31.5% -4.0% YoY-4.2% QoQ	+2.4%	29.1%	21.6%	20.0%	63%
Indirect Auto %	8.7% -6.8% YoY+2.2% QoQ	-9.4%	18.1%	8.4%	7.7%	34%

Signature Analysis

Strengths (4)

Emerging Performer

growth

#50 of 82 • Top 16.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.24%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Member Growth (YoY): 1.50%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | New qualifier

Organic Growth Engine

growth

#72 of 113 • Top 56.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.50%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Return on Assets: 1.24%

(Tier: 0.84%, National: 1.23%)

better than tier avg

Indirect Auto %: 8.68%

(Tier: 18.08%, National: 7.71%)

better than tier avg

113 of 377 Mid-Market CUs have this signature | 490 nationally

↓ Shrinking -131 CUs YoY | New qualifier

Organic Growth Leader

growth

#96 of 112 • Top 56.5% in tier

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

Why This Signature

Member Growth (YoY): 1.50%

(Tier: 3.16%, National: 15.67%)

but worse than tier avg

Indirect Auto %: 8.68%

(Tier: 18.08%, National: 7.71%)

better than tier avg

112 of 377 Mid-Market CUs have this signature | 485 nationally

↓ Shrinking -20 CUs YoY | New qualifier

Relationship Depth Leader

growth

#65 of 69 • Top 64.5% 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): 1.54%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.4K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Concerns (1)

Credit Quality Pressure

risk

#46 of 215 • Bottom 12.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.31% points

(Tier: 0.06% points, National: 0.08% points)

worse than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | Rank improving

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 300 peers in tier

Top Strengths (7 metrics)

Net Worth Ratio

risk

Value: 15.64%

Peer Median: 10.91%

#25 of 300 Top 8.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $37,101

Peer Median: $28,089

#38 of 300 Top 12.3% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,911

Peer Median: $12,809

#38 of 300 Top 12.3% in 1B-3B tier

Return on Assets (ROA)

profitability

Value: 1.24%

Peer Median: 0.77%

#46 of 300 Top 15.0% in 1B-3B tier

Net Charge-Off Rate

risk

Value: 0.24%

Peer Median: 0.52%

#54 of 300 Top 17.7% in 1B-3B tier

Efficiency Ratio

profitability

Value: 66.50%

Peer Median: 73.62%

#66 of 300 Top 21.7% in 1B-3B tier

First Mortgage Concentration (%)

balance_sheet

Value: 22.37%

Peer Median: 33.59%

#67 of 300 Top 22.0% in 1B-3B tier

Top Weaknesses (7 metrics)

297

Total Deposits

balance_sheet

Value: $842.18M

Peer Median: $1.30B

#297 of 300 Bottom 1.3% in 1B-3B tier

297

Members Per Employee (MPE)

engagement

Value: 186.223

Peer Median: 346.173

#297 of 300 Bottom 1.3% in 1B-3B tier

292

Total Members

engagement

Value: 41,714

Peer Median: 86,516

#292 of 300 Bottom 3.0% in 1B-3B tier

290

Total Assets

balance_sheet

Value: $1.02B

Peer Median: $1.51B

#290 of 300 Bottom 3.7% in 1B-3B tier

283

Total Loans

balance_sheet

Value: $705.44M

Peer Median: $1.14B

#283 of 300 Bottom 6.0% in 1B-3B tier

260

Total Delinquency Rate (60+ days)

risk

Value: 1.44%

Peer Median: 0.70%

#260 of 300 Bottom 13.7% in 1B-3B tier

251

Loan Growth Rate

growth

Value: -0.41%

Peer Median: 5.71%

#251 of 300 Bottom 16.7% in 1B-3B tier