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 13.1% in tier
- + Loan Growth Rate: Top 2.4% in tier
- + AMR Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.0% in tier
- - Efficiency Drag: Bottom 37.6% in tier
- - Credit Quality Pressure: Bottom 41.8% in tier
- - Membership Headwinds: Bottom 45.4% in tier
- - Stagnation Risk: Bottom 77.2% in tier
- - ROA 0.44% below tier average
- - Efficiency ratio 7.38% above tier (higher cost structure)
- - Member decline: -3.0% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,402
-3.0% YoY-1.2% QoQ
|
+4.0K |
15,437
-2.9% YoY
|
31,880
+2.5% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$271.1M
+5.2% YoY+2.4% QoQ
|
+$39.3M |
$231.9M
+1.3% YoY
|
$660.6M
+4.0% YoY
|
$561.6M
+9.7% YoY
|
68% |
| Loans |
$157.1M
+23.5% YoY+5.5% QoQ
|
+$9.7M |
$147.3M
-0.1% YoY
|
$406.3M
+6.8% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$246.5M
+3.5% YoY+1.3% QoQ
|
+$45.7M |
$200.8M
+0.8% YoY
|
$587.0M
+2.8% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.3%
-14.5% YoY+16.0% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.9%
+27.5% YoY
|
0.7%
+15.9% YoY
|
19% |
| NIM |
3.4%
+4.1% YoY+0.8% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.3%
+5.5% YoY
|
3.8%
+5.1% YoY
|
37% |
| Efficiency Ratio |
84.4%
+1.6% YoY-1.3% QoQ
|
+7.4% |
77.0%
-3.1% YoY
|
68.1%
-5.4% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.8%
+46.9% YoY-0.7% QoQ
|
-0.1 |
0.9%
+4.2% YoY
|
0.8%
-19.2% YoY
|
1.3%
-2.1% YoY
|
56% |
| Loan To Share |
63.7%
+19.3% YoY+4.1% QoQ
|
-8.5% |
72.2%
-1.1% YoY
|
62.7%
+2.7% YoY
|
67.4%
-1.7% YoY
|
30% |
| AMR |
$20,802
+13.9% YoY+4.1% QoQ
|
$-4K |
$24,676
+3.4% YoY
|
$29,144
+3.1% YoY
|
$19,687
+2.0% YoY
|
39% |
| CD Concentration |
20.5%
+7.7% YoY+3.2% QoQ
|
-3.9% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % |
12.5%
-27.6% YoY+12.9% QoQ
|
-1.3% | 13.8% | 22.8% | 7.8% | 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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
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)