WESTERLY COMMUNITY

Charter #67270 | RI

500M-750M (169 CUs) Community (281 CUs)
1 500M-750M in RI

WESTERLY COMMUNITY has 7 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.5% in tier
  • + Wallet Share Momentum: Top 10.5% in tier
  • + ROA 0.11% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Total Delinquency Rate (60+ days): Top 3.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 7.1% in tier
  • + Average Member Relationship (AMR): Top 7.7% in tier

Key Concerns

Areas that may need attention

  • - Stagnation Risk: Bottom 6.1% in tier
  • - Membership Headwinds: Bottom 17.5% in tier
  • - Liquidity Strain: Bottom 32.0% in tier
  • - Member decline: -2.4% YoY
  • - Total Assets: Bottom 1.8% in tier
  • - Total Members: Bottom 4.7% in tier
  • - Total Deposits: Bottom 6.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (RI) National Avg Tier Percentile
Members 22,210
-2.4% YoY-0.8% QoQ
 -17.5K 39,752
-2.7% YoY
 35,904
+9.4% YoY
 33,089
+6.1% YoY
 Bottom 4.1% in tier
Assets $503.0M
+2.1% YoY-0.2% QoQ
 $-119.4M $622.4M
+0.3% YoY
 $771.6M
+10.6% YoY
 $547.7M
+7.8% YoY
 Bottom 1.2% in tier
Loans $401.9M
+2.5% YoY+0.6% QoQ
 $-34.0M $435.9M
-0.4% YoY
 $651.4M
+12.0% YoY
 $388.7M
+8.6% YoY
 34th in tier
Deposits $443.6M
+6.0% YoY+0.3% QoQ
 $-94.5M $538.0M
+1.3% YoY
 $641.8M
+11.9% YoY
 $464.6M
+9.3% YoY
 Bottom 5.9% in tier
ROA 0.8%
+173.1% YoY-4.7% QoQ
 +0.1% 0.7%
+33.9% YoY
 0.5%
-21.3% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 3.0%
+10.9% YoY+1.3% QoQ
 -0.4% 3.4%
+8.6% YoY
 2.9%
+1.1% YoY
 3.7%
+5.0% YoY
 Bottom 22.5% in tier
Efficiency Ratio 78.0%
-7.0% YoY+0.6% QoQ
 -0.1% 78.1%
-3.4% YoY
 83.0%
+4.4% YoY
 79.1%
-3.3% YoY
 47th in tier
Delinquency Rate 0.1%
-4.4% YoY+22.7% QoQ
 -0.7 0.8%
-4.9% YoY
 0.5%
-36.2% YoY
 1.2%
-0.9% YoY
 Bottom 3.0% in tier
Loan To Share 90.6%
-3.4% YoY+0.3% QoQ
 +9.6% 81.0%
-1.8% YoY
 78.6%
+0.3% YoY
 68.0%
-1.7% YoY
 72nd in tier
AMR $38,068
+6.8% YoY+1.3% QoQ
 +$12K $26,482
+2.6% YoY
 $26,126
+7.2% YoY
 $19,418
+1.3% YoY
 Top 8.3% in tier
CD Concentration 26.9%
+5.1% YoY-0.3% QoQ
 +2.5% 24.4%
+4.2% YoY
 27.4%
+6.5% YoY
 19.6%
+6.2% YoY
 60th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 10.6%
+7.4% YoY
 7.9%
-2.9% YoY
 Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#43 of 1006 • Top 1.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.84%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $5.2K
(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 improving

Wallet Share Momentum

growth
#289 of 1006 • Top 10.5% in tier

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

Why This Signature
AMR Growth (YoY): 6.84%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Stagnation Risk

risk
#101 of 550 • Bottom 6.1% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.77%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -2.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $38.1K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 26.92%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Membership Headwinds

decline
#289 of 550 • Bottom 17.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.38%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Liquidity Strain

risk
#249 of 258 • Bottom 32.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 90.61%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 2.46%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
258 of 281 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 16.19%
#1 of 169 Top 0.0% in 500M-750M tier
6
Total Delinquency Rate (60+ days)
risk
Value: 0.14%
Peer Avg: 0.80%
#6 of 169 Top 3.0% in 500M-750M tier
13
Loan-to-Member Ratio (LMR)
engagement
Value: $18,097
Peer Avg: $11,805
#13 of 169 Top 7.1% in 500M-750M tier
14
Average Member Relationship (AMR)
engagement
Value: $38,068
Peer Avg: $26,482
#14 of 169 Top 7.7% in 500M-750M tier
18
Net Charge-Off Rate
risk
Value: 0.09%
Peer Avg: 0.51%
#18 of 169 Top 10.1% in 500M-750M tier
34
AMR Growth Rate
growth
Value: 6.84%
Peer Avg: 3.12%
#34 of 169 Top 19.5% in 500M-750M tier

Top Weaknesses (6 metrics)

167
Total Assets
balance_sheet
Value: $502.96M
Peer Avg: $622.38M
#167 of 169 Bottom 1.8% in 500M-750M tier
162
Total Members
engagement
Value: 22,210
Peer Avg: 39,752
#162 of 169 Bottom 4.7% in 500M-750M tier
159
Total Deposits
balance_sheet
Value: $443.56M
Peer Avg: $538.02M
#159 of 169 Bottom 6.5% in 500M-750M tier
142
Member Growth Rate
growth
Value: -2.38%
Peer Avg: 1.75%
#142 of 169 Bottom 16.6% in 500M-750M tier
132
Net Worth Ratio
risk
Value: 9.10%
Peer Avg: 10.94%
#132 of 169 Bottom 22.5% in 500M-750M tier
131
Net Interest Margin (NIM)
profitability
Value: 3.00%
Peer Avg: 3.43%
#131 of 169 Bottom 23.1% in 500M-750M tier