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 72.7% in tier
- + Loan-to-Member Ratio (LMR): Top 3.3% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.7% in tier
- - Membership Headwinds: Bottom 16.7% in tier
- - Stagnation Risk: Bottom 20.9% in tier
- - Liquidity Strain: Bottom 25.4% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 16.95% above tier (higher cost structure)
- - Delinquency rate 0.30% above tier average
- - Member decline: -2.7% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
77,409
-2.7% YoY+0.1% QoQ
|
-21.3K |
98,678
-1.9% YoY
|
59,606
+5.7% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$2.1B
+0.9% YoY+1.3% QoQ
|
+$411.8M |
$1.7B
+0.5% YoY
|
$1.2B
+6.2% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$1.6B
-0.4% YoY-0.6% QoQ
|
+$399.2M |
$1.2B
+0.5% YoY
|
$845.5M
+7.1% YoY
|
$388.7M
+8.6% YoY
|
77% |
| Deposits |
$1.7B
+1.5% YoY+1.2% QoQ
|
+$240.4M |
$1.5B
+1.3% YoY
|
$1.0B
+8.8% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.1%
-74.0% YoY-19.3% QoQ
|
-0.6% |
0.7%
+13.4% YoY
|
0.6%
+30.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.6% in tier |
| NIM |
2.5%
+1.0% YoY+0.3% QoQ
|
-0.7% |
3.3%
+9.3% YoY
|
3.3%
+6.5% YoY
|
3.7%
+5.0% YoY
|
Bottom 12.2% in tier |
| Efficiency Ratio |
90.9%
+7.8% YoY+1.2% QoQ
|
+17.0% |
74.0%
-10.9% YoY
|
79.3%
-6.2% YoY
|
79.1%
-3.3% YoY
|
Top 2.0% in tier |
| Delinquency Rate |
1.1%
-22.1% YoY+7.8% QoQ
|
+0.3 |
0.8%
+6.1% YoY
|
0.7%
-38.7% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
96.3%
-1.9% YoY-1.8% QoQ
|
+11.1% |
85.2%
-0.8% YoY
|
68.8%
-1.5% YoY
|
68.0%
-1.7% YoY
|
79% |
| AMR |
$42,980
+3.3% YoY+0.2% QoQ
|
+$14K |
$29,172
+2.8% YoY
|
$28,514
+2.8% YoY
|
$19,418
+1.3% YoY
|
Top 6.2% in tier |
| CD Concentration |
32.5%
+0.0% YoY-0.8% QoQ
|
+3.6% |
29.0%
+0.7% YoY
|
21.7%
+4.2% YoY
|
19.6%
+6.2% YoY
|
67% |
| Indirect Auto % |
8.4%
-14.1% YoY-5.7% QoQ
|
-10.4% |
18.8%
-3.0% YoY
|
9.5%
-6.9% YoY
|
7.9%
-2.9% YoY
|
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)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)