WESTBY CO-OP

Charter #67208 | WI

750M-1B (112 CUs) Community (281 CUs)
2 750M-1B in WI

WESTBY CO-OP has 8 strengths but faces 5 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 18.2% in tier
  • + Organic Growth Engine: Top 22.9% in tier
  • + Organic Growth Leader: Top 30.2% in tier
  • + Wallet Share Momentum: Top 34.3% 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
  • - Liquidity Overhang: Bottom 20.8% 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
 27th in tier
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
 Top 18.8% in tier
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
 Top 23.2% in tier
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
 Top 17.9% in tier
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
 56th in tier
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
 26th in tier
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
 58th in tier
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
 Top 16.1% in tier
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
 Top 20.9% in tier
Indirect Auto % 9.0%
-14.5% YoY-3.1% QoQ
 -4.9% 14.0%
-5.8% YoY
 8.1%
-7.1% YoY
 7.9%
-2.9% YoY
 52nd in tier

Signature Analysis

Strengths (4)

Relationship Depth Leader

growth
#501 of 1006 • Top 18.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 1.19%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $4.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Organic Growth Engine

growth
#421 of 603 • Top 22.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 0.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
Return on Assets: 1.26%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 9.03%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Organic Growth Leader

growth
#399 of 430 • Top 30.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 0.74%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Wallet Share Momentum

growth
#946 of 1006 • Top 34.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.19%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk
#101 of 736 • Bottom 4.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.62% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Overhang

risk
#323 of 552 • Bottom 20.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 15.61%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 88.54%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 281 Community CUs have this signature | 691 nationally
↑ Growing +65 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)

Comparing against 112 peers in tier

Top Strengths (10 metrics)

6
Total Assets
balance_sheet
Value: $972.87M
Peer Avg: $859.01M
#6 of 112 Top 4.5% in 750M-1B tier
11
Net Worth Ratio
risk
Value: 15.61%
Peer Avg: 11.52%
#11 of 112 Top 8.9% in 750M-1B tier
16
Loan-to-Member Ratio (LMR)
engagement
Value: $17,017
Peer Avg: $12,810
#16 of 112 Top 13.4% in 750M-1B tier
18
Average Member Relationship (AMR)
engagement
Value: $36,236
Peer Avg: $28,651
#18 of 112 Top 15.2% in 750M-1B tier
20
Return on Assets (ROA)
profitability
Value: 1.26%
Peer Avg: 0.71%
#20 of 112 Top 17.0% in 750M-1B tier
21
Total Loans
balance_sheet
Value: $702.63M
Peer Avg: $603.36M
#21 of 112 Top 17.9% in 750M-1B tier
23
Net Charge-Off Rate
risk
Value: 0.25%
Peer Avg: 0.61%
#23 of 112 Top 19.6% in 750M-1B tier
26
Total Deposits
balance_sheet
Value: $793.54M
Peer Avg: $734.17M
#26 of 112 Top 22.3% in 750M-1B tier
28
First Mortgage Concentration (%)
balance_sheet
Value: 23.07%
Peer Avg: 33.64%
#28 of 112 Top 24.1% in 750M-1B tier
29
Fee Income Per Member
profitability
Value: $236.59
Peer Avg: $204.75
#29 of 112 Top 25.0% in 750M-1B tier

Top Weaknesses (2 metrics)

111
Members Per Employee (MPE)
engagement
Value: 190.276
Peer Avg: 361.634
#111 of 112 Bottom 1.8% in 750M-1B tier
104
Total Delinquency Rate (60+ days)
risk
Value: 1.60%
Peer Avg: 0.82%
#104 of 112 Bottom 8.0% in 750M-1B tier