BlastPoint's Credit Union Scorecard
WESTMARK
Charter #68353 · ID
WESTMARK has 4 strengths but faces 7 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
- + Relationship Depth Leader: Top 66.3% in tier
- + Strong member growth: 8.6% YoY
- + Loan-to-Share Ratio: Top 5.6% in tier
- + Member Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 6.5% in tier
- - Credit Risk Growth: Bottom 13.2% in tier
- - Indirect Auto Dependency: Bottom 15.5% in tier
- - Credit Quality Pressure: Bottom 44.5% in tier
- - ROA 0.29% below tier average
- - Net Worth Ratio: Bottom 3.9% in tier
- - Indirect Auto Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (ID) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
83,827
+8.6% YoY+1.4% QoQ
|
-12.2K |
96,048
-2.7% YoY
|
55,090
+6.4% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$1.6B
+10.4% YoY-0.4% QoQ
|
$-98.8M |
$1.7B
+0.4% YoY
|
$983.6M
+10.6% YoY
|
$578.3M
+9.0% YoY
|
55% |
| Loans |
$1.4B
+12.7% YoY+0.3% QoQ
|
+$212.9M |
$1.2B
+0.2% YoY
|
$811.6M
+10.9% YoY
|
$402.4M
+8.7% YoY
|
71% |
| Deposits |
$1.4B
+7.0% YoY+2.5% QoQ
|
$-79.3M |
$1.5B
+0.5% YoY
|
$856.3M
+10.5% YoY
|
$494.3M
+9.1% YoY
|
55% |
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| ROA |
0.4%
+25.2% YoY-2.6% QoQ
|
-0.3% |
0.7%
+27.6% YoY
|
0.7%
-6.6% YoY
|
0.4%
-39.2% YoY
|
26% |
| NIM |
3.4%
+12.3% YoY+10.3% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.6%
+1.6% YoY
|
3.8%
+4.1% YoY
|
51% |
| Efficiency Ratio |
73.0%
-3.9% YoY-0.6% QoQ
|
-1.6% |
74.6%
-3.0% YoY
|
76.8%
+3.1% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate |
0.3%
+20.3% YoY+4.3% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
0.9%
-16.7% YoY
|
1.2%
+3.4% YoY
|
Top 15.0% in tier |
| Loan To Share |
102.9%
+5.3% YoY-2.1% QoQ
|
+19.7% |
83.2%
-0.4% YoY
|
83.5%
-0.7% YoY
|
65.6%
-1.4% YoY
|
Top 5.9% in tier |
| AMR |
$33,556
+1.1% YoY-0.0% QoQ
|
+$4K |
$29,652
+2.3% YoY
|
$24,684
+3.7% YoY
|
$19,920
+1.6% YoY
|
77% |
| CD Concentration |
36.0%
+0.7% YoY-1.0% QoQ
|
+7.1% | 28.8% | 27.2% | 19.8% | 80% |
| Indirect Auto % |
40.8%
+19.8% YoY+4.0% QoQ
|
+22.7% | 18.1% | 11.8% | 7.7% | Bottom 9.4% in tier |
Signature Analysis
Strengths (1)
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)