WESTSTAR

Charter #68227 | NV

100M-500M (1077 CUs) Micro
6 100M-500M in NV

WESTSTAR has 4 strengths but faces 8 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 3.2% in tier
  • + Relationship Depth Leader: Top 4.2% in tier
  • + Loan Growth Rate: Top 6.0% in tier
  • + AMR Growth Rate: Top 6.7% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 3.5% in tier
  • - Credit Quality Pressure: Bottom 12.2% in tier
  • - Efficiency Drag: Bottom 12.7% in tier
  • - Membership Headwinds: Bottom 14.7% in tier
  • - Stagnation Risk: Bottom 26.6% in tier
  • - ROA 0.51% below tier average
  • - Efficiency ratio 8.22% above tier (higher cost structure)
  • - Member decline: -2.8% YoY

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (NV) National Avg Tier Percentile
Members 19,635
-2.8% YoY-0.5% QoQ
 +4.0K 15,628
-3.4% YoY
 31,753
+2.4% YoY
 33,089
+6.1% YoY
 74th in tier
Assets $264.8M
+3.9% YoY-1.3% QoQ
 +$33.5M $231.3M
-0.0% YoY
 $652.3M
+3.7% YoY
 $547.7M
+7.8% YoY
 67th in tier
Loans $148.9M
+16.1% YoY+5.0% QoQ
 +$1.1M $147.8M
-1.4% YoY
 $403.3M
+6.9% YoY
 $388.7M
+8.6% YoY
 60th in tier
Deposits $243.3M
+3.9% YoY-1.6% QoQ
 +$43.0M $200.3M
-0.0% YoY
 $580.1M
+3.6% YoY
 $464.6M
+9.3% YoY
 70th in tier
ROA 0.3%
-24.3% YoY-6.6% QoQ
 -0.5% 0.8%
+15.5% YoY
 1.0%
-0.0% YoY
 0.7%
+273.4% YoY
 Bottom 17.7% in tier
NIM 3.4%
+3.4% YoY+3.5% QoQ
 -0.2% 3.6%
+6.9% YoY
 3.3%
+3.9% YoY
 3.7%
+5.0% YoY
 36th in tier
Efficiency Ratio 85.5%
+3.5% YoY-0.5% QoQ
 +8.2% 77.3%
-3.0% YoY
 67.2%
-0.6% YoY
 79.1%
-3.3% YoY
 Top 22.0% in tier
Delinquency Rate 0.8%
+44.9% YoY+23.1% QoQ
 -0.0 0.9%
+7.6% YoY
 0.9%
+2.2% YoY
 1.2%
-0.9% YoY
 60th in tier
Loan To Share 61.2%
+11.7% YoY+6.7% QoQ
 -11.5% 72.7%
-1.5% YoY
 63.1%
+0.5% YoY
 68.0%
-1.7% YoY
 Bottom 23.5% in tier
AMR $19,975
+11.4% YoY+1.4% QoQ
 $-4K $24,363
+2.9% YoY
 $28,845
+4.1% YoY
 $19,418
+1.3% YoY
 35th in tier
CD Concentration 19.9%
+16.8% YoY+1.9% QoQ
 -4.6% 24.4%
+4.2% YoY
 18.3%
+6.3% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 11.1%
-40.4% YoY-13.0% QoQ
 -2.9% 14.0%
-5.8% YoY
 22.8%
-3.2% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#89 of 1006 • Top 3.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 11.37%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#116 of 1006 • Top 4.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 11.37%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.9K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY

Concerns (5)

Growth-at-Risk

risk
#53 of 446 • Bottom 3.5% in tier

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

Why This Signature
Loan Growth (YoY): 16.06%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.25% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk
#304 of 736 • Bottom 12.2% in tier

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

Why This Signature
Delinquency Change (YoY): 0.25% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank improving

Efficiency Drag

risk
#224 of 521 • Bottom 12.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 85.50%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): -0.09% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): -2.85%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Membership Headwinds

decline
#243 of 550 • Bottom 14.7% in tier

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

Why This Signature
Member Growth (YoY): -2.85%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk
#439 of 550 • Bottom 26.6% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.28%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.85%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $20.0K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 19.85%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (2 metrics)

66
Loan Growth Rate
growth
Value: 16.06%
Peer Avg: 3.45%
#66 of 1077 Top 6.0% in 100M-500M tier
73
AMR Growth Rate
growth
Value: 11.37%
Peer Avg: 3.64%
#73 of 1077 Top 6.7% in 100M-500M tier

Top Weaknesses (5 metrics)

886
Return on Assets (ROA)
profitability
Value: 0.28%
Peer Avg: 0.79%
#886 of 1077 Bottom 17.8% in 100M-500M tier
869
Member Growth Rate
growth
Value: -2.85%
Peer Avg: 0.72%
#869 of 1077 Bottom 19.4% in 100M-500M tier
869
Net Charge-Off Rate
risk
Value: 0.71%
Peer Avg: 0.47%
#869 of 1077 Bottom 19.4% in 100M-500M tier
841
Efficiency Ratio
profitability
Value: 85.50%
Peer Avg: 77.28%
#841 of 1077 Bottom 22.0% in 100M-500M tier
824
Loan-to-Share Ratio
balance_sheet
Value: 61.21%
Peer Avg: 72.70%
#824 of 1077 Bottom 23.6% in 100M-500M tier