BlastPoint's Credit Union Scorecard

WESTERLY COMMUNITY

Charter #67270 · RI

Community 500M-750M

167 CUs in 500M-750M nationally 1 in RI

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WESTERLY COMMUNITY has 5 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 21.2% in tier
+ Wallet Share Momentum: Top 21.2% in tier
+ Average Member Relationship (AMR): Top 5.4% in tier
+ Loan-to-Member Ratio (LMR): Top 5.4% in tier
+ Net Charge-Off Rate: Top 7.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.8% in tier
- Credit Quality Pressure: Bottom 33.3% in tier
- Efficiency Drag: Bottom 42.4% in tier
- Credit Risk Growth: Bottom 43.8% in tier
- Membership Headwinds: Bottom 83.4% in tier
- Stagnation Risk: Bottom 83.4% in tier
- ROA 0.07% below tier average
- Efficiency ratio 2.11% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	21,705 -3.4% YoY+0.5% QoQ	-16.4K	38,079 -4.8% YoY	36,204 +9.0% YoY	33,913 +5.7% YoY	Bottom 4.2% in tier
Assets	$511.4M +2.6% YoY+0.9% QoQ	$-108.3M	$619.7M -0.2% YoY	$787.6M +11.2% YoY	$578.3M +9.0% YoY	Bottom 6.0% in tier
Loans	$409.8M +4.2% YoY+0.1% QoQ	$-9.5M	$419.3M -1.4% YoY	$657.2M +10.2% YoY	$402.4M +8.7% YoY	43%
Deposits	$447.3M +2.4% YoY+1.9% QoQ	$-92.2M	$539.5M -0.1% YoY	$658.7M +12.2% YoY	$494.3M +9.1% YoY	Bottom 10.2% 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	0.6% +92.1% YoY-20.1% QoQ	-0.1%	0.7% +36.0% YoY	0.4% +126.0% YoY	0.4% -39.2% YoY	52%
NIM	3.2% +10.0% YoY+3.4% QoQ	-0.3%	3.5% +4.5% YoY	3.0% +2.3% YoY	3.8% +4.1% YoY	27%
Efficiency Ratio	80.5% -8.9% YoY+3.4% QoQ	+2.1%	78.4% -3.7% YoY	87.4% -0.7% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	0.3% +89.0% YoY+14.9% QoQ	-0.4	0.7% -0.9% YoY	0.4% -7.6% YoY	1.2% +3.4% YoY	18%
Loan To Share	91.6% +1.8% YoY-1.7% QoQ	+14.0%	77.7% -1.2% YoY	77.1% +1.0% YoY	65.6% -1.4% YoY	Top 14.4% in tier
AMR	$39,490 +7.0% YoY+0.6% QoQ	+$13K	$26,927 +3.1% YoY	$26,738 +8.0% YoY	$19,920 +1.6% YoY	Top 6.0% in tier
CD Concentration	26.5% -2.5% YoY-0.5% QoQ	+2.2%	24.3%	27.4%	19.8%	60%
Indirect Auto %	0.0%	-13.8%	13.8%	10.6%	7.7%	Top 0.1% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#78 of 257 • Top 21.2% 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): 6.96%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#283 of 491 • Top 21.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.96%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (6)

Membership Headwinds

decline

#223 of 570 • Bottom 83.4% in tier

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

Why This Signature

Member Growth (YoY): -3.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Quality Pressure

risk

#444 of 727 • Bottom 33.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#343 of 476 • Bottom 43.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

710 nationally

→ No prior data (476 CUs now) | New qualifier

Stagnation Risk

risk

#417 of 570 • Bottom 83.4% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -3.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 4.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.27%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Liquidity Strain

risk

#144 of 183 • Bottom 10.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.63%

(Tier: 72.31%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.25%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

183 of 284 Community CUs have this signature | 367 nationally

→ Stable (182→183 CUs) +1 CUs YoY | Rank improving

Efficiency Drag

risk

#551 of 596 • Bottom 42.4% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.50%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.30% points

(Tier: 0.05% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): -3.43%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

702 nationally

↓ Shrinking -84 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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 10.91%

#1 of 167 Top 0.1% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $39,490

Peer Median: $25,600

#10 of 167 Top 5.4% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,882

Peer Median: $11,231

#10 of 167 Top 5.4% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.07%

Peer Median: 0.39%

#14 of 167 Top 7.8% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 91.63%

Peer Median: 79.97%

#24 of 167 Top 13.8% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: 0.62%

#31 of 167 Top 18.0% in 500M-750M tier

AMR Growth Rate

growth

Value: 6.96%

Peer Median: 4.03%

#39 of 167 Top 22.8% in 500M-750M tier

Top Weaknesses (4 metrics)

160

Total Members

engagement

Value: 21,705

Peer Median: 36,874

#160 of 167 Bottom 4.8% in 500M-750M tier

157

Total Assets

balance_sheet

Value: $511.42M

Peer Median: $619.16M

#157 of 167 Bottom 6.6% in 500M-750M tier

150

Total Deposits

balance_sheet

Value: $447.28M

Peer Median: $543.36M

#150 of 167 Bottom 10.8% in 500M-750M tier

145

Member Growth Rate

growth

Value: -3.43%

Peer Median: 1.03%

#145 of 167 Bottom 13.8% in 500M-750M tier