BlastPoint's Credit Union Scorecard
WESTERLY COMMUNITY
Charter #67270 · RI
WESTERLY COMMUNITY has 6 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does RI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 25.8% in tier
- + Wallet Share Momentum: Top 25.8% in tier
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
- + Average Member Relationship (AMR): Top 6.1% in tier
- + Net Charge-Off Rate: Top 6.7% in tier
- + Total Delinquency Rate (60+ days): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10.0% in tier
- - Credit Risk Growth: Bottom 35.0% in tier
- - Credit Quality Pressure: Bottom 38.2% in tier
- - Membership Headwinds: Bottom 77.7% in tier
- - Stagnation Risk: Bottom 77.7% in tier
- - ROA 0.06% below tier average
- - Efficiency ratio 1.82% above tier (higher cost structure)
- - Member decline: -2.4% YoY
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 1 that size in Rhode Island.
- Shares and deposits +2.1% year over year ($451M in shares and deposits).
- Membership: 21,855 members, -2.4% vs a year ago.
- Delinquency rate 0.21%.
- Return on assets 0.76%.
- Efficiency ratio 78.38% vs a 76.56% peer average.
- Loan-to-share ratio 93.86% vs a 79.33% 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 (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,855
-2.4% YoY+0.7% QoQ
|
-16.0K |
37,897
-5.0% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
Bottom 4.8% in tier |
| Assets |
$519.9M
+3.2% YoY+1.6% QoQ
|
$-102.5M |
$622.4M
+0.6% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.7% in tier |
| Loans |
$423.6M
+6.0% YoY+3.3% QoQ
|
$-4.9M |
$428.5M
-0.7% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
46% |
| Deposits |
$451.3M
+2.1% YoY+0.9% QoQ
|
$-88.5M |
$539.8M
+0.9% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
Bottom 12.1% in tier |
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| ROA |
0.8%
-6.4% YoY+22.0% QoQ
|
-0.1% |
0.8%
+39.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
50% |
| NIM |
3.2%
+9.2% YoY+2.2% QoQ
|
-0.3% |
3.5%
+5.0% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
78.4%
+1.1% YoY-2.6% QoQ
|
+1.8% |
76.6%
-3.6% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.2%
+82.7% YoY-21.8% QoQ
|
-0.6 |
0.8%
+3.1% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
Top 9.1% in tier |
| Loan To Share |
93.9%
+3.9% YoY+2.4% QoQ
|
+14.5% |
79.3%
-1.4% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
84% |
| AMR |
$40,029
+6.5% YoY+1.4% QoQ
|
+$13K |
$27,294
+4.1% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
Top 6.7% in tier |
| CD Concentration |
26.8%
-0.8% YoY+1.0% QoQ
|
+2.2% | 24.6% | 27.0% | 20.0% | 60% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 10.6% | 7.7% | Top 0.1% in tier |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)