BlastPoint's Credit Union Scorecard

WESTERLY COMMUNITY

Charter #67270 · RI

Community 500M-750M

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

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WESTERLY COMMUNITY has 8 strengths but faces 12 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 22.1% in tier
+ Wallet Share Momentum: Top 44.1% in tier
+ ROA 0.12% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Average Member Relationship (AMR): Top 5.5% in tier
+ Loan-to-Member Ratio (LMR): Top 5.5% in tier
+ Net Charge-Off Rate: Top 7.3% in tier
+ Total Delinquency Rate (60+ days): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 31.3% in tier
- Flatlined Growth: Bottom 67.5% in tier
- Liquidity Strain: Bottom 67.8% in tier
- Stagnation Risk: Bottom 72.7% in tier
- Credit Quality Pressure: Bottom 79.1% in tier
- Credit Risk Growth: Bottom 80.9% in tier
- Efficiency ratio 0.30% above tier (higher cost structure)
- Member decline: -4.2% YoY
- Total Assets: Bottom 3.6% in tier
- Total Members: Bottom 4.8% in tier
- Total Deposits: Bottom 7.3% in tier
- Member Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	21,604 -4.2% YoY-2.7% QoQ	-17.0K	38,575 -4.8% YoY	35,881 +9.1% YoY	33,374 +5.7% YoY	Bottom 4.2% in tier
Assets	$506.6M +1.8% YoY+0.7% QoQ	$-115.1M	$621.7M +0.1% YoY	$774.2M +10.8% YoY	$561.6M +9.7% YoY	Bottom 3.0% in tier
Loans	$409.2M +4.5% YoY+1.8% QoQ	$-20.6M	$429.8M -1.8% YoY	$651.4M +11.4% YoY	$397.0M +8.8% YoY	39%
Deposits	$439.0M +2.9% YoY-1.0% QoQ	$-99.7M	$538.7M +0.6% YoY	$643.2M +11.9% YoY	$477.3M +9.7% YoY	Bottom 6.7% 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	0.8% +165.5% YoY+0.7% QoQ	+0.1%	0.7% +42.9% YoY	0.5% -9.1% YoY	0.7% +15.9% YoY	60%
NIM	3.1% +12.7% YoY+2.0% QoQ	-0.4%	3.4% +8.0% YoY	3.0% +1.1% YoY	3.8% +5.1% YoY	24%
Efficiency Ratio	77.8% -7.3% YoY-0.2% QoQ	+0.3%	77.5% -4.1% YoY	84.1% +1.5% YoY	79.7% -3.3% YoY	47%
Delinquency Rate	0.2% +51.5% YoY+65.6% QoQ	-0.6	0.8% -1.1% YoY	0.5% -30.0% YoY	1.3% -2.1% YoY	Bottom 7.9% in tier
Loan To Share	93.2% +1.6% YoY+2.9% QoQ	+13.4%	79.8% -2.3% YoY	78.0% +0.8% YoY	67.4% -1.7% YoY	84%
AMR	$39,262 +8.2% YoY+3.1% QoQ	+$12K	$26,849 +2.7% YoY	$26,466 +8.1% YoY	$19,687 +2.0% YoY	Top 6.1% in tier
CD Concentration	26.7% -1.6% YoY-1.0% QoQ	+2.2%	24.4%	27.7%	19.8%	58%
Indirect Auto %	0.0%	-13.8%	13.8%	10.6%	7.8%	Bottom 0.0% in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#60 of 268 • Top 22.1% 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): 8.25%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $5.1K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#227 of 513 • Top 44.1% in tier

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

Why This Signature

AMR Growth (YoY): 8.25%

(Tier: 4.17%, National: 4.00%)

better than tier avg

662 nationally

↑ Growing +180 CUs YoY | Rank improving

Concerns (6)

Membership Headwinds

decline

#174 of 554 • Bottom 31.3% in tier

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

Why This Signature

Member Growth (YoY): -4.25%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Flatlined Growth

risk

#28 of 41 • Bottom 67.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.80%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.78%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

41 of 282 Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Liquidity Strain

risk

#155 of 228 • Bottom 67.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.23%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 4.50%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Stagnation Risk

risk

#403 of 554 • Bottom 72.7% 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): -4.25%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 4.50%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Rate: 0.24%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Quality Pressure

risk

#558 of 705 • Bottom 79.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#369 of 456 • Bottom 80.9% in tier

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

Why This Signature

Loan Growth (YoY): 4.50%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.08% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

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 165 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $39,262

Peer Median: -

#10 of 165 Top 5.5% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,943

Peer Median: -

#10 of 165 Top 5.5% in 500M-750M tier

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#13 of 165 Top 7.3% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: -

#14 of 165 Top 7.9% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.25%

Peer Median: -

#25 of 165 Top 14.5% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 93.23%

Peer Median: -

#27 of 165 Top 15.8% in 500M-750M tier

Top Weaknesses (7 metrics)

160

Total Assets

balance_sheet

Value: $506.62M

Peer Median: -

#160 of 165 Bottom 3.6% in 500M-750M tier

158

Total Members

engagement

Value: 21,604

Peer Median: -

#158 of 165 Bottom 4.8% in 500M-750M tier

154

Total Deposits

balance_sheet

Value: $438.98M

Peer Median: -

#154 of 165 Bottom 7.3% in 500M-750M tier

150

Member Growth Rate

growth

Value: -4.25%

Peer Median: -

#150 of 165 Bottom 9.7% in 500M-750M tier

126

Net Interest Margin (NIM)

profitability

Value: 3.06%

Peer Median: -

#126 of 165 Bottom 24.2% in 500M-750M tier

126

Net Worth Ratio

risk

Value: 9.30%

Peer Median: -

#126 of 165 Bottom 24.2% in 500M-750M tier

125

Asset Growth Rate

growth

Value: 1.80%

Peer Median: -

#125 of 165 Bottom 24.8% in 500M-750M tier