BlastPoint's Credit Union Scorecard
WESTERLY COMMUNITY
Charter #67270 · RI
WESTERLY COMMUNITY has 8 strengths but faces 7 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
- + Credit Quality Leader: Top 26.5% in tier
- + Relationship Depth Leader: Top 28.5% in tier
- + Wallet Share Momentum: Top 60.0% 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
|
34% |
| 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 |
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| 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
|
58% |
| 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
|
22% |
| 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
|
47% |
| 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
|
72% |
| 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
|
60% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
10.6%
+7.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 0.0% in tier |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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 (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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.
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)