BlastPoint's Credit Union Scorecard
CREDIT UNION WEST
Charter #68421 · AZ
CREDIT UNION WEST has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does AZ stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 27.5% in tier
- + Emerging Performer: Top 83.1% in tier
- + Credit Quality Leader: Top 87.2% in tier
- + ROA 0.11% above tier average
- + Net Interest Margin 1.12% above tier average
- + First Mortgage Concentration (%): Top 2.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 6.5% in tier
- - Liquidity Strain: Bottom 17.8% in tier
- - Margin Compression: Bottom 19.5% in tier
- - Cost Spiral: Bottom 19.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
94,881
+1.6% YoY+0.9% QoQ
|
-3.8K |
98,678
-1.9% YoY
|
60,829
+5.9% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$1.3B
+5.6% YoY+0.6% QoQ
|
$-386.2M |
$1.7B
+0.5% YoY
|
$1.0B
+8.7% YoY
|
$547.7M
+7.8% YoY
|
32% |
| Loans |
$1.1B
+8.2% YoY+1.2% QoQ
|
$-125.5M |
$1.2B
+0.5% YoY
|
$651.1M
+13.2% YoY
|
$388.7M
+8.6% YoY
|
49% |
| Deposits |
$1.2B
+5.2% YoY+0.4% QoQ
|
$-286.5M |
$1.5B
+1.3% YoY
|
$883.8M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
40% |
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| ROA |
0.8%
-26.2% YoY+12.0% QoQ
|
+0.1% |
0.7%
+13.4% YoY
|
0.8%
+38.7% YoY
|
0.7%
+273.4% YoY
|
64% |
| NIM |
4.4%
+9.4% YoY+2.1% QoQ
|
+1.1% |
3.3%
+9.3% YoY
|
4.0%
+6.6% YoY
|
3.7%
+5.0% YoY
|
Top 4.6% in tier |
| Efficiency Ratio |
68.2%
+9.2% YoY-1.8% QoQ
|
-5.8% |
74.0%
-10.9% YoY
|
75.3%
-3.3% YoY
|
79.1%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.4%
-16.6% YoY+18.1% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
0.9%
+2.1% YoY
|
1.2%
-0.9% YoY
|
22% |
| Loan To Share |
94.8%
+2.9% YoY+0.8% QoQ
|
+9.6% |
85.2%
-0.8% YoY
|
71.1%
-3.6% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$23,982
+4.9% YoY-0.1% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$19,058
+3.8% YoY
|
$19,418
+1.3% YoY
|
29% |
| CD Concentration |
32.8%
+2.1% YoY+0.3% QoQ
|
+3.8% |
29.0%
+0.7% YoY
|
16.8%
+14.1% YoY
|
19.6%
+6.2% YoY
|
68% |
| Indirect Auto % |
35.8%
-5.9% YoY-3.1% QoQ
|
+17.0% |
18.8%
-3.0% YoY
|
23.2%
-8.0% YoY
|
7.9%
-2.9% YoY
|
84% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)