WESTMARK

Charter #68353 | ID

1B-3B (304 CUs) Mid-Market (380 CUs)
3 1B-3B in ID

WESTMARK has 9 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 14.4% in tier
  • + Organic Growth Engine: Top 22.1% in tier
  • + Wallet Share Momentum: Top 28.8% in tier
  • + Relationship Depth Leader: Top 31.0% 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
 43rd in tier
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
 54th in tier
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
 68th in tier
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
 52nd in tier
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
 Bottom 22.7% in tier
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
 30th in tier
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
 45th in tier
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
 Top 21.1% in tier
CD Concentration 36.2%
+1.9% YoY-0.5% QoQ
 +7.2% 29.0%
+0.8% YoY
 27.1%
+1.8% YoY
 19.6%
+6.2% YoY
 Top 19.3% in tier
Indirect Auto % 38.4%
+15.7% YoY+3.1% QoQ
 +19.6% 18.8%
-2.8% YoY
 12.1%
-5.5% YoY
 7.9%
-2.9% YoY
 Top 14.0% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#77 of 184 • Top 14.4% in tier

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

Why This Signature
Return on Assets: 0.41%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 7.47%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#161 of 246 • Top 22.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 7.47%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.41%
(Tier: 0.71%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 38.37%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth
#209 of 264 • Top 28.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.52%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Relationship Depth Leader

growth
#225 of 264 • Top 31.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.52%
(Tier: 3.04%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.5K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank worsening

Concerns (2)

Liquidity Strain

risk
#5 of 183 • Bottom 0.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 105.06%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 14.05%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Indirect Auto Dependency

risk
#29 of 202 • Bottom 4.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 10.86%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 38.37%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 7.47%
(Tier: 3.18%, National: 9.37%)
but better than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

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 304 peers in tier

Top Strengths (7 metrics)

17
Loan-to-Share Ratio
balance_sheet
Value: 105.06%
Peer Avg: 85.19%
#17 of 304 Top 5.3% in 1B-3B tier
27
Loan Growth Rate
growth
Value: 14.05%
Peer Avg: 5.27%
#27 of 304 Top 8.6% in 1B-3B tier
29
Total Delinquency Rate (60+ days)
risk
Value: 0.27%
Peer Avg: 0.83%
#29 of 304 Top 9.2% in 1B-3B tier
30
Asset Growth Rate
growth
Value: 10.86%
Peer Avg: 4.83%
#30 of 304 Top 9.5% in 1B-3B tier
34
Member Growth Rate
growth
Value: 7.47%
Peer Avg: 2.20%
#34 of 304 Top 10.9% in 1B-3B tier
36
Loan-to-Member Ratio (LMR)
engagement
Value: $17,110
Peer Avg: $13,213
#36 of 304 Top 11.5% in 1B-3B tier
64
Average Member Relationship (AMR)
engagement
Value: $33,396
Peer Avg: $29,172
#64 of 304 Top 20.7% in 1B-3B tier

Top Weaknesses (5 metrics)

291
Net Worth Ratio
risk
Value: 8.31%
Peer Avg: 11.44%
#291 of 304 Bottom 4.6% in 1B-3B tier
264
Indirect Auto Concentration (%)
balance_sheet
Value: 38.37%
Peer Avg: 18.32%
#264 of 304 Bottom 13.5% in 1B-3B tier
253
Share Certificate Concentration (%)
balance_sheet
Value: 36.17%
Peer Avg: 28.53%
#253 of 304 Bottom 17.1% in 1B-3B tier
235
Return on Assets (ROA)
profitability
Value: 0.41%
Peer Avg: 0.70%
#235 of 304 Bottom 23.0% in 1B-3B tier
230
Fee Income Per Member
profitability
Value: $162.47
Peer Avg: $210.52
#230 of 304 Bottom 24.7% in 1B-3B tier