WCLA

Charter #68328 | WA

100M-500M (1077 CUs) Micro
18 100M-500M in WA

WCLA has 13 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 1.7% in tier
  • + Emerging Performer: Top 2.9% in tier
  • + Organic Growth Engine: Top 4.7% in tier
  • + Wallet Share Momentum: Top 11.9% in tier
  • + Organic Growth Leader: Top 16.6% in tier
  • + ROA 0.81% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 0.0% in tier
  • + Loan-to-Member Ratio (LMR): Top 0.0% in tier
  • + Loan-to-Share Ratio: Top 0.8% in tier
  • + First Mortgage Concentration (%): Top 0.8% in tier
  • + Efficiency Ratio: Top 1.7% in tier
  • + Net Charge-Off Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.7% in tier
  • - Growth-at-Risk: Bottom 1.1% in tier
  • - Credit Quality Pressure: Bottom 1.3% in tier
  • - Liquidity Overhang: Bottom 23.8% in tier
  • - Delinquency rate 1.47% above tier average
  • - Share Certificate Concentration (%): Bottom 0.1% in tier
  • - Total Members: Bottom 0.1% in tier
  • - Members Per Employee (MPE): Bottom 0.4% in tier
  • - Total Delinquency Rate (60+ days): Bottom 4.5% in tier
  • - Fee Income Per Member: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 1,386
+2.4% YoY-0.2% QoQ
 -14.2K 15,628
-3.4% YoY
 65,720
+2.5% YoY
 33,089
+6.1% YoY
 Bottom 0.0% in tier
Assets $141.7M
+9.3% YoY+0.7% QoQ
 $-89.6M $231.3M
-0.0% YoY
 $1.2B
+3.7% YoY
 $547.7M
+7.8% YoY
 27th in tier
Loans $124.7M
+10.6% YoY+0.6% QoQ
 $-23.1M $147.8M
-1.4% YoY
 $909.1M
+5.1% YoY
 $388.7M
+8.6% YoY
 50th in tier
Deposits $112.9M
+7.1% YoY+0.3% QoQ
 $-87.4M $200.3M
-0.0% YoY
 $1.0B
+6.5% YoY
 $464.6M
+9.3% YoY
 Bottom 19.7% in tier
ROA 1.6%
+0.0% YoY+9.4% QoQ
 +0.8% 0.8%
+15.5% YoY
 0.6%
+9.9% YoY
 0.7%
+273.4% YoY
 Top 9.4% in tier
NIM 3.3%
+5.7% YoY+1.3% QoQ
 -0.3% 3.6%
+6.9% YoY
 3.7%
+4.7% YoY
 3.7%
+5.0% YoY
 34th in tier
Efficiency Ratio 48.9%
-0.9% YoY-5.0% QoQ
 -28.4% 77.3%
-3.0% YoY
 76.4%
-1.1% YoY
 79.1%
-3.3% YoY
 Bottom 1.7% in tier
Delinquency Rate 2.3%
+93.4% YoY+201.6% QoQ
 +1.5 0.9%
+7.6% YoY
 0.9%
-2.6% YoY
 1.2%
-0.9% YoY
 Top 4.5% in tier
Loan To Share 110.5%
+3.3% YoY+0.3% QoQ
 +37.8% 72.7%
-1.5% YoY
 76.9%
-2.2% YoY
 68.0%
-1.7% YoY
 Top 0.9% in tier
AMR $171,426
+6.3% YoY+0.7% QoQ
 +$147K $24,363
+2.9% YoY
 $28,761
+2.7% YoY
 $19,418
+1.3% YoY
 Top 0.1% in tier
CD Concentration 61.9%
+0.4% YoY-1.2% QoQ
 +37.5% 24.4%
+4.2% YoY
 22.3%
+2.5% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#48 of 1006 • Top 1.7% in tier

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

Why This Signature
AMR Growth (YoY): 6.33%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $7.5K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Emerging Performer

growth
#56 of 627 • Top 2.9% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.59%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): 2.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Engine

growth
#87 of 603 • Top 4.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 1.59%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#329 of 1006 • Top 11.9% in tier

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

Why This Signature
AMR Growth (YoY): 6.33%
(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 worsening

Organic Growth Leader

growth
#220 of 430 • Top 16.6% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.44%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk
#6 of 258 • Bottom 0.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature
Loan-to-Share Ratio: 110.50%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 10.64%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
258 of 1077 Community CUs have this signature | 484 nationally
↓ Shrinking -28 CUs YoY | Rank improving

Growth-at-Risk

risk
#18 of 446 • Bottom 1.1% in tier

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

Why This Signature
Loan Growth (YoY): 10.64%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.12% 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
#33 of 736 • Bottom 1.3% in tier

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

Why This Signature
Delinquency Change (YoY): 1.12% 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

Liquidity Overhang

risk
#369 of 552 • Bottom 23.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 16.23%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 110.50%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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 (14 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Average Member Relationship (AMR)
engagement
Value: $171,426
Peer Avg: $24,363
#1 of 1077 Top 0.0% in 100M-500M tier
1
Loan-to-Member Ratio (LMR)
engagement
Value: $89,990
Peer Avg: $10,245
#1 of 1077 Top 0.0% in 100M-500M tier
10
Loan-to-Share Ratio
balance_sheet
Value: 110.50%
Peer Avg: 72.70%
#10 of 1077 Top 0.8% in 100M-500M tier
10
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 30.43%
#10 of 1077 Top 0.8% in 100M-500M tier
19
Efficiency Ratio
profitability
Value: 48.90%
Peer Avg: 77.28%
#19 of 1077 Top 1.7% in 100M-500M tier
55
Net Charge-Off Rate
risk
Value: 0.03%
Peer Avg: 0.47%
#55 of 1077 Top 5.0% in 100M-500M tier
101
Return on Assets (ROA)
profitability
Value: 1.59%
Peer Avg: 0.79%
#101 of 1077 Top 9.3% in 100M-500M tier
112
Net Worth Ratio
risk
Value: 16.23%
Peer Avg: 12.15%
#112 of 1077 Top 10.3% in 100M-500M tier
145
Loan Growth Rate
growth
Value: 10.64%
Peer Avg: 3.45%
#145 of 1077 Top 13.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1077
Share Certificate Concentration (%)
balance_sheet
Value: 61.87%
Peer Avg: 23.61%
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1077
Total Members
engagement
Value: 1,386
Peer Avg: 15,628
#1077 of 1077 Bottom 0.1% in 100M-500M tier
1074
Members Per Employee (MPE)
engagement
Value: 138.600
Peer Avg: 332.881
#1074 of 1077 Bottom 0.4% in 100M-500M tier
1030
Total Delinquency Rate (60+ days)
risk
Value: 2.32%
Peer Avg: 0.86%
#1030 of 1077 Bottom 4.5% in 100M-500M tier
1000
Fee Income Per Member
profitability
Value: $78.00
Peer Avg: $174.31
#1000 of 1077 Bottom 7.2% in 100M-500M tier
865
Total Deposits
balance_sheet
Value: $112.87M
Peer Avg: $200.29M
#865 of 1077 Bottom 19.8% in 100M-500M tier