BlastPoint's Credit Union Scorecard

MERIWEST

Charter #68394 · CA

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 37 in CA

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MERIWEST has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 65.3% in tier
+ Loan-to-Member Ratio (LMR): Top 4.0% in tier
+ Average Member Relationship (AMR): Top 5.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.9% in tier
- Liquidity Strain: Bottom 33.1% in tier
- Institutional Decline: Bottom 42.4% in tier
- Stagnation Risk: Bottom 87.9% in tier
- Membership Headwinds: Bottom 87.9% in tier
- ROA 0.71% below tier average
- Efficiency ratio 12.74% above tier (higher cost structure)
- Member decline: -2.4% YoY

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 37 that size in California.
Shares and deposits +1.4% year over year ($1.70B in shares and deposits).
Membership: 75,484 members, -2.4% vs a year ago.
Delinquency rate 0.81%.
Return on assets 0.11%.
Efficiency ratio 85.76% vs a 73.02% peer average.
Loan-to-share ratio 93.35% vs a 84.71% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	75,484 -2.4% YoY-1.3% QoQ	-21.4K	96,861 -1.9% YoY	67,400 +7.3% YoY	34,678 +6.6% YoY	35%
Assets	$2.1B +0.4% YoY-2.4% QoQ	+$387.1M	$1.7B +0.4% YoY	$1.4B +10.3% YoY	$593.1M +10.2% YoY	72%
Loans	$1.6B -3.5% YoY+0.6% QoQ	+$350.7M	$1.2B +0.7% YoY	$958.9M +10.2% YoY	$418.6M +10.1% YoY	77%
Deposits	$1.7B +1.4% YoY-3.2% QoQ	+$234.4M	$1.5B +0.5% YoY	$1.2B +11.1% YoY	$504.8M +10.3% YoY	68%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.1% +29.0% YoY	-0.7%	0.8% +27.6% YoY	2.5% +328.4% YoY	1.2% +121.4% YoY	Bottom 4.0% in tier
NIM	2.6% +4.3% YoY+3.0% QoQ	-0.8%	3.4% +6.6% YoY	3.4% +4.4% YoY	3.8% +2.3% YoY	Bottom 9.3% in tier
Efficiency Ratio	85.8% -4.5% YoY-0.8% QoQ	+12.7%	73.0% -2.7% YoY	79.7% -4.5% YoY	83.0% -5.3% YoY	Bottom 7.3% in tier
Delinquency Rate	0.8% -22.5% YoY-20.6% QoQ	-0.1	0.9% +7.3% YoY	0.7% -14.3% YoY	1.3% +2.6% YoY	59%
Loan To Share	93.4% -4.8% YoY+3.9% QoQ	+8.6%	84.7% +0.1% YoY	69.0% +0.5% YoY	66.4% -1.4% YoY	71%
AMR	$43,488 +1.4% YoY-0.0% QoQ	+$14K	$29,575 +1.5% YoY	$29,171 +2.5% YoY	$20,028 -0.9% YoY	Top 6.0% in tier
CD Concentration	29.8% -9.0% YoY-6.1% QoQ	+0.7%	29.1%	22.2%	20.0%	54%
Indirect Auto %	6.8% -24.1% YoY-8.9% QoQ	-11.3%	18.1%	9.2%	7.7%	29%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#67 of 69 • Top 65.3% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.42%

(Tier: 3.62%, National: 35.20%)

but worse than tier avg

Share Draft per Member: $5.5K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#8 of 71 • Bottom 6.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 85.76%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): 0.03% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -2.38%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | Rank improving

Stagnation Risk

risk

#24 of 86 • Bottom 87.9% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.38%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.46%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.81%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Institutional Decline

decline

#11 of 25 • Bottom 42.4% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $2.11B

(Tier: $2.16B, National: $593.11M)

worse than tier avg

Member Growth (YoY): -2.38%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.46%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

25 of 377 Mid-Market CUs have this signature | 261 nationally

↓ Shrinking -12 CUs YoY | Rank improving

Membership Headwinds

decline

#46 of 86 • Bottom 87.9% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.38%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank worsening

Liquidity Strain

risk

#156 of 168 • Bottom 33.1% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.35%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): -3.46%

(Tier: 6.76%, National: 78.26%)

worse than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,997

Peer Median: $12,809

#13 of 300 Top 4.0% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $43,488

Peer Median: $28,089

#18 of 300 Top 5.7% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.58B

Peer Median: $1.14B

#70 of 300 Top 23.0% in 1B-3B tier

Top Weaknesses (10 metrics)

288

Return on Assets (ROA)

profitability

Value: 0.11%

Peer Median: 0.77%

#288 of 300 Bottom 4.3% in 1B-3B tier

285

Loan Growth Rate

growth

Value: -3.46%

Peer Median: 5.71%

#285 of 300 Bottom 5.3% in 1B-3B tier

279

Efficiency Ratio

profitability

Value: 85.76%

Peer Median: 73.62%

#279 of 300 Bottom 7.3% in 1B-3B tier

272

Net Interest Margin (NIM)

profitability

Value: 2.64%

Peer Median: 3.46%

#272 of 300 Bottom 9.7% in 1B-3B tier

264

Net Worth Ratio

risk

Value: 9.12%

Peer Median: 10.91%

#264 of 300 Bottom 12.3% in 1B-3B tier

260

Member Growth Rate

growth

Value: -2.38%

Peer Median: 1.84%

#260 of 300 Bottom 13.7% in 1B-3B tier

258

Asset Growth Rate

growth

Value: 0.35%

Peer Median: 5.21%

#258 of 300 Bottom 14.3% in 1B-3B tier

257

Fee Income Per Member

profitability

Value: $138.37

Peer Median: $204.73

#257 of 300 Bottom 14.7% in 1B-3B tier

253

First Mortgage Concentration (%)

balance_sheet

Value: 47.66%

Peer Median: 33.59%

#253 of 300 Bottom 16.0% in 1B-3B tier

240

Deposit Growth Rate

growth

Value: 1.42%

Peer Median: 4.79%

#240 of 300 Bottom 20.3% in 1B-3B tier