BlastPoint's Credit Union Scorecard
WESTSTAR
Charter #68227 · NV
WESTSTAR has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Loan Growth Rate: Top 2.5% in tier
- + AMR Growth Rate: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Flatlined Growth: Bottom 50.0% in tier
- - ROA 0.54% below tier average
- - Efficiency ratio 7.81% above tier (higher cost structure)
- - Member decline: -3.0% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 4 that size in Nevada.
- Shares and deposits +0.5% year over year ($248M in shares and deposits).
- Membership: 19,149 members, -3.0% vs a year ago.
- Delinquency rate 0.49%.
- Return on assets 0.33%.
- Efficiency ratio 84.55% vs a 76.73% peer average.
- Loan-to-share ratio 69.41% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,149
-3.0% YoY-0.6% QoQ
|
+4.0K |
15,168
-2.6% YoY
|
30,953
-1.9% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$272.7M
+1.7% YoY-0.5% QoQ
|
+$40.7M |
$232.0M
+0.7% YoY
|
$560.7M
-15.0% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$172.4M
+21.6% YoY+6.3% QoQ
|
+$26.1M |
$146.3M
+0.2% YoY
|
$340.9M
-13.9% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$248.4M
+0.5% YoY-1.1% QoQ
|
+$47.6M |
$200.7M
+0.2% YoY
|
$498.9M
-14.9% YoY
|
$504.8M
+10.3% YoY
|
71% |
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| ROA |
0.3%
+9.2% YoY-24.6% QoQ
|
-0.5% |
0.9%
+12.5% YoY
|
1.1%
+13.3% YoY
|
1.2%
+121.4% YoY
|
17% |
| NIM |
3.6%
+10.2% YoY+0.5% QoQ
|
-0.1% |
3.7%
+4.5% YoY
|
3.5%
+6.2% YoY
|
3.8%
+2.3% YoY
|
45% |
| Efficiency Ratio |
84.5%
-1.7% YoY+0.4% QoQ
|
+7.8% |
76.7%
-0.8% YoY
|
64.7%
-5.7% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.5%
-25.1% YoY+0.2% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.0%
+20.8% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
69.4%
+21.0% YoY+7.5% QoQ
|
-2.1% |
71.5%
-0.3% YoY
|
62.4%
+0.7% YoY
|
66.4%
-1.4% YoY
|
43% |
| AMR |
$21,972
+11.5% YoY+2.4% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$25,344
-12.5% YoY
|
$20,028
-0.9% YoY
|
44% |
| CD Concentration |
20.1%
+3.4% YoY-0.5% QoQ
|
-4.4% | 24.6% | 18.1% | 20.0% | 50% |
| Indirect Auto % |
12.8%
+1.0% YoY-10.8% QoQ
|
-0.8% | 13.6% | 25.3% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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)