BlastPoint's Credit Union Scorecard
WESTMARK
Charter #68353 · ID
WESTMARK has 8 strengths but faces 6 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 60.6% in tier
- + Relationship Depth Leader: Top 87.5% in tier
- + Strong member growth: 8.3% YoY
- + Loan-to-Share Ratio: Top 5.0% in tier
- + Asset Growth Rate: Top 6.6% in tier
- + Loan Growth Rate: Top 7.6% in tier
- + Member Growth Rate: Top 8.3% in tier
- + Total Delinquency Rate (60+ days): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.2% in tier
- - Indirect Auto Dependency: Bottom 14.9% in tier
- - Credit Risk Growth: Bottom 55.8% in tier
- - Credit Quality Pressure: Bottom 94.3% in tier
- - ROA 0.24% below tier average
- - Net Worth Ratio: Bottom 4.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
82,683
+8.3% YoY+0.9% QoQ
|
-14.7K |
97,431
-2.4% YoY
|
54,272
+7.9% YoY
|
33,374
+5.7% YoY
|
45% |
| Assets |
$1.6B
+13.3% YoY+1.6% QoQ
|
$-95.8M |
$1.7B
+0.9% YoY
|
$970.0M
+13.3% YoY
|
$561.6M
+9.7% YoY
|
55% |
| Loans |
$1.4B
+15.3% YoY+1.5% QoQ
|
+$187.7M |
$1.2B
+0.5% YoY
|
$802.2M
+13.5% YoY
|
$397.0M
+8.8% YoY
|
69% |
| Deposits |
$1.4B
+7.1% YoY+1.4% QoQ
|
$-106.4M |
$1.5B
+0.9% YoY
|
$828.5M
+12.5% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.4%
-14.3% YoY+6.8% QoQ
|
-0.2% |
0.7%
+20.9% YoY
|
0.8%
+25.2% YoY
|
0.7%
+15.9% YoY
|
26% |
| NIM |
3.1%
+11.3% YoY+1.1% QoQ
|
-0.2% |
3.3%
+9.2% YoY
|
3.7%
+5.8% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
73.5%
+1.7% YoY-0.3% QoQ
|
-0.6% |
74.1%
-9.5% YoY
|
73.6%
-4.6% YoY
|
79.7%
-3.3% YoY
|
45% |
| Delinquency Rate |
0.3%
+8.9% YoY+7.8% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
0.9%
-20.4% YoY
|
1.3%
-2.1% YoY
|
Bottom 8.9% in tier |
| Loan To Share |
105.1%
+7.7% YoY+0.1% QoQ
|
+20.3% |
84.8%
-0.8% YoY
|
84.8%
-0.9% YoY
|
67.4%
-1.7% YoY
|
Top 5.3% in tier |
| AMR |
$33,562
+2.7% YoY+0.5% QoQ
|
+$4K |
$29,428
+2.4% YoY
|
$24,417
+3.6% YoY
|
$19,687
+2.0% YoY
|
79% |
| CD Concentration |
36.3%
+2.0% YoY+0.5% QoQ
|
+7.3% | 29.0% | 27.2% | 19.8% | 80% |
| Indirect Auto % |
39.2%
+17.1% YoY+2.2% QoQ
|
+20.9% | 18.3% | 11.9% | 7.8% | Top 12.0% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)