BlastPoint's Credit Union Scorecard
MERIWEST
Charter #68394 · CA
MERIWEST has 3 strengths but faces 8 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 43.4% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 9.4% in tier
- - Institutional Decline: Bottom 40.2% in tier
- - Stagnation Risk: Bottom 92.4% in tier
- - Membership Headwinds: Bottom 92.4% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 11.83% above tier (higher cost structure)
- - Delinquency rate 0.27% above tier average
- - Member decline: -3.9% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
76,513
-3.9% YoY-1.0% QoQ
|
-19.5K |
96,048
-2.7% YoY
|
57,202
-0.9% YoY
|
33,913
+5.7% YoY
|
39% |
| Assets |
$2.2B
+1.8% YoY+1.1% QoQ
|
+$443.7M |
$1.7B
+0.4% YoY
|
$1.2B
+0.4% YoY
|
$578.3M
+9.0% YoY
|
75% |
| Loans |
$1.6B
-4.5% YoY-1.9% QoQ
|
+$361.5M |
$1.2B
+0.2% YoY
|
$813.8M
+0.1% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$1.8B
+3.9% YoY+1.3% QoQ
|
+$288.0M |
$1.5B
+0.5% YoY
|
$1.0B
+1.2% YoY
|
$494.3M
+9.1% YoY
|
71% |
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| ROA |
0.0%
-70.5% YoY-123.3% QoQ
|
-0.7% |
0.7%
+27.6% YoY
|
2.1%
+290.7% YoY
|
0.4%
-39.2% YoY
|
Bottom 4.6% in tier |
| NIM |
2.6%
+1.4% YoY+2.0% QoQ
|
-0.8% |
3.4%
+6.2% YoY
|
5.0%
+56.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 8.2% in tier |
| Efficiency Ratio |
86.5%
-1.9% YoY-4.9% QoQ
|
+11.8% |
74.6%
-3.0% YoY
|
81.3%
-2.7% YoY
|
84.6%
+2.8% YoY
|
Bottom 10.1% in tier |
| Delinquency Rate |
1.0%
-2.6% YoY-13.4% QoQ
|
+0.3 |
0.8%
+6.9% YoY
|
0.6%
-45.1% YoY
|
1.2%
+3.4% YoY
|
80% |
| Loan To Share |
89.8%
-8.1% YoY-3.2% QoQ
|
+6.6% |
83.2%
-0.4% YoY
|
67.3%
-0.6% YoY
|
65.6%
-1.4% YoY
|
63% |
| AMR |
$43,506
+3.7% YoY+0.8% QoQ
|
+$14K |
$29,652
+2.3% YoY
|
$28,733
+1.2% YoY
|
$19,920
+1.6% YoY
|
Top 6.5% in tier |
| CD Concentration |
31.8%
+2.0% YoY-2.3% QoQ
|
+2.9% | 28.8% | 21.6% | 19.8% | 65% |
| Indirect Auto % |
7.4%
-18.0% YoY-7.0% QoQ
|
-10.7% | 18.1% | 9.0% | 7.7% | 31% |
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)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)