BlastPoint's Credit Union Scorecard

MERIWEST

Charter #68394 · CA

Mid-Market 1B-3B

302 CUs in 1B-3B nationally 40 in CA

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MERIWEST has 3 strengths but faces 11 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 73.4% in tier
+ Loan-to-Member Ratio (LMR): Top 4.3% in tier
+ Average Member Relationship (AMR): Top 6.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 13.3% in tier
- Stagnation Risk: Bottom 17.9% in tier
- Efficiency Drag: Bottom 32.6% in tier
- Membership Headwinds: Bottom 46.4% in tier
- Institutional Decline: Bottom 51.7% in tier
- Liquidity Strain: Bottom 97.0% in tier
- ROA 0.83% below tier average
- Efficiency ratio 16.85% above tier (higher cost structure)
- Delinquency rate 0.28% above tier average
- Member decline: -2.7% YoY
- Fee Income Per Member: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	77,317 -2.7% YoY-0.1% QoQ	-20.1K	97,431 -2.4% YoY	60,320 +5.7% YoY	33,374 +5.7% YoY	38%
Assets	$2.1B +2.1% YoY+0.4% QoQ	+$417.3M	$1.7B +0.9% YoY	$1.3B +6.2% YoY	$561.6M +9.7% YoY	74%
Loans	$1.6B -2.8% YoY-1.7% QoQ	+$370.7M	$1.2B +0.5% YoY	$856.7M +6.3% YoY	$397.0M +8.8% YoY	76%
Deposits	$1.7B +4.3% YoY+2.1% QoQ	+$271.0M	$1.5B +0.9% YoY	$1.1B +7.1% YoY	$477.3M +9.7% YoY	72%

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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% -155.1% YoY-306.8% QoQ	-0.8%	0.7% +20.9% YoY	0.5% +14.3% YoY	0.7% +15.9% YoY	Bottom 2.6% in tier
NIM	2.5% -1.0% YoY-0.9% QoQ	-0.8%	3.3% +9.2% YoY	3.3% +7.0% YoY	3.8% +5.1% YoY	Bottom 10.3% in tier
Efficiency Ratio	90.9% +12.0% YoY-0.0% QoQ	+16.8%	74.1% -9.5% YoY	80.7% -1.8% YoY	79.7% -3.3% YoY	Top 2.6% in tier
Delinquency Rate	1.2% +51.3% YoY+4.5% QoQ	+0.3	0.9% +6.2% YoY	0.7% -40.0% YoY	1.3% -2.1% YoY	79%
Loan To Share	92.8% -6.9% YoY-3.7% QoQ	+8.0%	84.8% -0.8% YoY	68.6% -1.3% YoY	67.4% -1.7% YoY	66%
AMR	$43,140 +3.6% YoY+0.4% QoQ	+$14K	$29,428 +2.4% YoY	$28,728 +2.4% YoY	$19,687 +2.0% YoY	Top 6.3% in tier
CD Concentration	32.5% +5.3% YoY+0.0% QoQ	+3.5%	29.0%	21.7%	19.8%	68%
Indirect Auto %	8.0% -14.0% YoY-5.0% QoQ	-10.3%	18.3%	9.2%	7.8%	32%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#48 of 65 • Top 73.4% 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): 3.60%

(Tier: 3.31%, National: 4.00%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $3.2K, National: $2.0K)

better than tier avg

65 of 378 Mid-Market CUs have this signature | 351 nationally

↑ Growing +20 CUs YoY | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#29 of 211 • Bottom 13.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.06% points, National: 0.06% points)

worse than tier avg

211 of 378 Mid-Market CUs have this signature | 969 nationally

↓ Shrinking -59 CUs YoY | Rank improving

Stagnation Risk

risk

#16 of 85 • Bottom 17.9% 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): -2.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.81%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.18%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Efficiency Drag

risk

#30 of 90 • Bottom 32.6% in tier

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

Why This Signature

Efficiency Ratio: 90.91%

(Tier: 73.53%, National: 79.67%)

worse than tier avg

ROA Change (YoY): -0.41% points

(Tier: 0.12% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

90 of 378 Mid-Market CUs have this signature | 633 nationally

↓ Shrinking -36 CUs YoY | Rank improving

Membership Headwinds

decline

#40 of 85 • Bottom 46.4% in tier

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

Why This Signature

Member Growth (YoY): -2.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

85 of 378 Mid-Market CUs have this signature | 652 nationally

→ No prior data (85 CUs now) | New qualifier

Institutional Decline

decline

#16 of 30 • Bottom 51.7% in tier

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

Why This Signature

Total Assets: $2.14B

(Tier: $2.17B, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.73%

(Tier: 3.43%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -2.81%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

30 of 378 Mid-Market CUs have this signature | 277 nationally

→ No prior data (30 CUs now) | New qualifier

Liquidity Strain

risk

#161 of 166 • Bottom 97.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.76%

(Tier: 85.73%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): -2.81%

(Tier: 6.38%, National: 111.96%)

worse than tier avg

166 of 378 Mid-Market CUs have this signature | 439 nationally

↓ Shrinking -7 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 302 peers in tier

Top Strengths (3 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $20,760

Peer Median: -

#14 of 302 Top 4.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $43,140

Peer Median: -

#19 of 302 Top 6.0% in 1B-3B tier

Total Loans

balance_sheet

Value: $1.61B

Peer Median: -

#71 of 302 Top 23.2% in 1B-3B tier

Top Weaknesses (10 metrics)

295

Efficiency Ratio

profitability

Value: 90.91%

Peer Median: -

#295 of 302 Bottom 2.6% in 1B-3B tier

294

Return on Assets (ROA)

profitability

Value: -0.14%

Peer Median: -

#294 of 302 Bottom 3.0% in 1B-3B tier

273

Fee Income Per Member

profitability

Value: $128.96

Peer Median: -

#273 of 302 Bottom 9.9% in 1B-3B tier

271

Net Interest Margin (NIM)

profitability

Value: 2.51%

Peer Median: -

#271 of 302 Bottom 10.6% in 1B-3B tier

269

Loan Growth Rate

growth

Value: -2.81%

Peer Median: -

#269 of 302 Bottom 11.3% in 1B-3B tier

267

Net Worth Ratio

risk

Value: 8.94%

Peer Median: -

#267 of 302 Bottom 11.9% in 1B-3B tier

265

Member Growth Rate

growth

Value: -2.73%

Peer Median: -

#265 of 302 Bottom 12.6% in 1B-3B tier

252

First Mortgage Concentration (%)

balance_sheet

Value: 47.13%

Peer Median: -

#252 of 302 Bottom 16.9% in 1B-3B tier

240

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Median: -

#240 of 302 Bottom 20.9% in 1B-3B tier

231

Asset Growth Rate

growth

Value: 2.07%

Peer Median: -

#231 of 302 Bottom 23.8% in 1B-3B tier