BlastPoint's Credit Union Scorecard
WESTBY CO-OP
Charter #67208 · WI
WESTBY CO-OP has 5 strengths but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does WI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 87.3% in tier
- + ROA 0.39% above tier average
- + Net Interest Margin 0.07% above tier average
- + Total Assets: Top 0.9% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 17.2% in tier
- - Delinquency rate 0.65% above tier average
- - Members Per Employee (MPE): Bottom 2.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
41,097
+0.3% YoY-0.5% QoQ
|
-11.0K |
52,084
-1.6% YoY
|
38,882
+6.1% YoY
|
33,374
+5.7% YoY
|
26% |
| Assets |
$996.7M
+5.1% YoY+2.5% QoQ
|
+$132.8M |
$863.9M
+0.5% YoY
|
$734.5M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
Top 1.7% in tier |
| Loans |
$702.3M
+0.0% YoY-0.0% QoQ
|
+$96.5M |
$605.8M
+1.4% YoY
|
$568.1M
+11.9% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$814.6M
+4.8% YoY+2.6% QoQ
|
+$77.3M |
$737.3M
+0.1% YoY
|
$617.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
83% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+27.1% YoY-10.2% QoQ
|
+0.4% |
0.7%
+39.1% YoY
|
0.9%
+14.0% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.5%
+8.5% YoY-0.3% QoQ
|
+0.1% |
3.4%
+8.7% YoY
|
3.7%
+4.8% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
67.6%
-2.5% YoY+0.4% QoQ
|
-6.8% |
74.3%
-3.6% YoY
|
75.8%
-1.1% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
1.5%
+48.9% YoY-4.4% QoQ
|
+0.7 |
0.9%
+3.8% YoY
|
1.5%
+86.3% YoY
|
1.3%
-2.1% YoY
|
Top 12.0% in tier |
| Loan To Share |
86.2%
-4.5% YoY-2.6% QoQ
|
+3.7% |
82.6%
+1.1% YoY
|
80.0%
-0.6% YoY
|
67.4%
-1.7% YoY
|
50% |
| AMR |
$36,909
+2.2% YoY+1.9% QoQ
|
+$8K |
$28,873
+2.7% YoY
|
$23,366
+4.9% YoY
|
$19,687
+2.0% YoY
|
85% |
| CD Concentration |
32.1%
+0.8% YoY-2.3% QoQ
|
+7.7% | 24.4% | 21.5% | 19.8% | 77% |
| Indirect Auto % |
8.6%
-15.3% YoY-4.7% QoQ
|
-5.2% | 13.8% | 8.0% | 7.8% | 51% |
Signature Analysis
Strengths (1)
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)