BlastPoint's Credit Union Scorecard
WESTEX COMMUNITY
Charter #67915 · TX
WESTEX COMMUNITY demonstrates 13 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 0.1% in tier
- + Emerging Performer: Top 2.1% in tier
- + Profitability Leader: Top 5.6% in tier
- + Organic Growth Leader: Top 6.2% in tier
- + Wallet Share Momentum: Top 79.0% in tier
- + ROA 1.45% above tier average
- + Net Interest Margin 0.35% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Asset Growth Rate: Top 4.2% in tier
- + Deposit Growth Rate: Top 5.7% in tier
- + Efficiency Ratio: Top 7.1% in tier
- + Member Growth Rate: Top 9.4% in tier
- + Fee Income Per Member: Top 9.6% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
17,319
+5.0% YoY+1.5% QoQ
|
+1.7K |
15,628
-3.4% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
65% |
| Assets |
$217.4M
+14.0% YoY+0.5% QoQ
|
$-13.9M |
$231.3M
-0.0% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
56% |
| Loans |
$111.4M
+8.2% YoY+2.8% QoQ
|
$-36.4M |
$147.8M
-1.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
42% |
| Deposits |
$184.4M
+13.0% YoY-0.4% QoQ
|
$-15.9M |
$200.3M
-0.0% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
54% |
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| ROA |
2.2%
-2.4% YoY-1.0% QoQ
|
+1.4% |
0.8%
+15.5% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Top 1.7% in tier |
| NIM |
3.9%
+5.8% YoY+0.0% QoQ
|
+0.4% |
3.6%
+6.9% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
58.6%
-4.5% YoY-0.5% QoQ
|
-18.6% |
77.3%
-3.0% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.7%
-0.3% YoY-12.2% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
55% |
| Loan To Share |
60.4%
-4.3% YoY+3.2% QoQ
|
-12.3% |
72.7%
-1.5% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$17,081
+5.9% YoY-0.7% QoQ
|
$-7K |
$24,363
+2.9% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
18% |
| CD Concentration |
19.5%
+34.2% YoY+5.5% QoQ
|
-4.9% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)