BlastPoint's Credit Union Scorecard
WESTSTAR
Charter #68227 · NV
WESTSTAR has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Loan Growth Rate: Top 3.0% in tier
- + AMR Growth Rate: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.30% below tier average
- - Efficiency ratio 6.19% above tier (higher cost structure)
- - Member decline: -3.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,256
-3.2% YoY-0.8% QoQ
|
+4.1K |
15,145
-2.5% YoY
|
32,180
+2.8% YoY
|
33,913
+5.7% YoY
|
75% |
| Assets |
$274.1M
+2.7% YoY+1.1% QoQ
|
+$42.4M |
$231.7M
+0.8% YoY
|
$671.4M
+1.9% YoY
|
$578.3M
+9.0% YoY
|
69% |
| Loans |
$162.1M
+21.0% YoY+3.2% QoQ
|
+$18.0M |
$144.1M
+0.2% YoY
|
$412.3M
+6.6% YoY
|
$402.4M
+8.7% YoY
|
66% |
| Deposits |
$251.1M
+1.8% YoY+1.9% QoQ
|
+$50.0M |
$201.1M
+0.4% YoY
|
$596.1M
+1.1% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.4%
+216.8% YoY+33.8% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
1.1%
+7.8% YoY
|
0.4%
-39.2% YoY
|
32% |
| NIM |
3.6%
+13.4% YoY+5.1% QoQ
|
-0.1% |
3.6%
+4.6% YoY
|
3.4%
+4.6% YoY
|
3.8%
+4.1% YoY
|
48% |
| Efficiency Ratio |
84.2%
-4.6% YoY-0.2% QoQ
|
+6.2% |
78.0%
-1.7% YoY
|
66.3%
-4.8% YoY
|
84.6%
+2.8% YoY
|
69% |
| Delinquency Rate |
0.5%
+21.7% YoY-38.8% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.7%
-19.9% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
64.6%
+18.9% YoY+1.3% QoQ
|
-5.9% |
70.4%
-0.4% YoY
|
62.0%
+3.3% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$21,458
+12.1% YoY+3.2% QoQ
|
$-3K |
$24,918
+2.7% YoY
|
$29,327
+2.2% YoY
|
$19,920
+1.6% YoY
|
41% |
| CD Concentration |
20.2%
+3.4% YoY-1.2% QoQ
|
-4.0% | 24.3% | 17.9% | 19.8% | 50% |
| Indirect Auto % |
14.4%
-3.0% YoY+15.3% QoQ
|
+0.6% | 13.8% | 23.4% | 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 (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)