BlastPoint's Credit Union Scorecard
WESTMARK
Charter #68353 · ID
WESTMARK has 8 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does ID stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.1% in tier
- + Credit Quality Leader: Top 40.4% in tier
- + Relationship Depth Leader: Top 84.8% in tier
- + Strong member growth: 7.5% YoY
- + Loan-to-Share Ratio: Top 5.3% in tier
- + Loan Growth Rate: Top 8.6% in tier
- + Total Delinquency Rate (60+ days): Top 9.2% in tier
- + Asset Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.8% in tier
- - Indirect Auto Dependency: Bottom 4.5% in tier
- - ROA 0.29% below tier average
- - Net Worth Ratio: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
81,910
+7.5% YoY+2.6% QoQ
|
-16.8K |
98,678
-1.9% YoY
|
53,577
+7.1% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$1.6B
+10.9% YoY+2.3% QoQ
|
$-117.8M |
$1.7B
+0.5% YoY
|
$936.8M
+11.3% YoY
|
$547.7M
+7.8% YoY
|
54% |
| Loans |
$1.4B
+14.1% YoY+2.8% QoQ
|
+$168.4M |
$1.2B
+0.5% YoY
|
$777.6M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
68% |
| Deposits |
$1.3B
+6.4% YoY+3.1% QoQ
|
$-120.4M |
$1.5B
+1.3% YoY
|
$812.6M
+12.3% YoY
|
$464.6M
+9.3% YoY
|
52% |
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| ROA |
0.4%
-27.3% YoY+5.9% QoQ
|
-0.3% |
0.7%
+13.4% YoY
|
0.6%
-15.0% YoY
|
0.7%
+273.4% YoY
|
23% |
| NIM |
3.0%
+13.0% YoY-0.1% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
73.7%
+3.8% YoY-0.8% QoQ
|
-0.2% |
74.0%
-10.9% YoY
|
73.1%
-2.3% YoY
|
79.1%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.3%
-3.8% YoY+4.4% QoQ
|
-0.6 |
0.8%
+6.1% YoY
|
0.9%
-2.1% YoY
|
1.2%
-0.9% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
105.1%
+7.2% YoY-0.3% QoQ
|
+19.9% |
85.2%
-0.8% YoY
|
85.6%
-1.1% YoY
|
68.0%
-1.7% YoY
|
Top 5.6% in tier |
| AMR |
$33,396
+2.5% YoY+0.3% QoQ
|
+$4K |
$29,172
+2.8% YoY
|
$24,176
+3.9% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
36.2%
+1.9% YoY-0.5% QoQ
|
+7.2% |
29.0%
+0.7% YoY
|
27.1%
+1.8% YoY
|
19.6%
+6.2% YoY
|
81% |
| Indirect Auto % |
38.4%
+15.7% YoY+3.1% QoQ
|
+19.6% |
18.8%
-3.0% YoY
|
12.1%
-5.5% YoY
|
7.9%
-2.9% YoY
|
Top 13.9% in tier |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)