BlastPoint's Credit Union Scorecard
CREDIT UNION WEST
Charter #68421 · AZ
CREDIT UNION WEST has 5 strengths but faces 5 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
- + Emerging Performer: Top 57.9% in tier
- + Organic Growth Engine: Top 58.9% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 1.00% above tier average
- + First Mortgage Concentration (%): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 23.1% in tier
- - Credit Risk Growth: Bottom 44.2% in tier
- - Credit Quality Pressure: Bottom 48.1% in tier
- - Margin Compression: Bottom 94.4% in tier
- - Net Charge-Off Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
95,168
+3.8% YoY+0.3% QoQ
|
-2.3K |
97,431
-2.4% YoY
|
61,128
+6.4% YoY
|
33,374
+5.7% YoY
|
57% |
| Assets |
$1.4B
+9.1% YoY+6.3% QoQ
|
$-306.2M |
$1.7B
+0.9% YoY
|
$1.0B
+13.9% YoY
|
$561.6M
+9.7% YoY
|
39% |
| Loans |
$1.1B
+7.3% YoY+1.0% QoQ
|
$-116.3M |
$1.2B
+0.5% YoY
|
$668.7M
+14.2% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$1.2B
+9.0% YoY+7.0% QoQ
|
$-209.5M |
$1.5B
+0.9% YoY
|
$919.7M
+13.3% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.8%
-12.9% YoY+1.7% QoQ
|
+0.1% |
0.7%
+20.9% YoY
|
0.7%
+37.2% YoY
|
0.7%
+15.9% YoY
|
64% |
| NIM |
4.3%
+6.2% YoY-2.4% QoQ
|
+1.0% |
3.3%
+9.2% YoY
|
4.0%
+4.9% YoY
|
3.8%
+5.1% YoY
|
Top 6.0% in tier |
| Efficiency Ratio |
67.0%
+3.6% YoY-1.7% QoQ
|
-7.1% |
74.1%
-9.5% YoY
|
75.5%
-2.7% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.4%
+58.0% YoY+0.7% QoQ
|
-0.5 |
0.9%
+6.2% YoY
|
1.0%
+13.7% YoY
|
1.3%
-2.1% YoY
|
18% |
| Loan To Share |
89.5%
-1.6% YoY-5.7% QoQ
|
+4.7% |
84.8%
-0.8% YoY
|
70.1%
-3.4% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$24,882
+4.2% YoY+3.8% QoQ
|
$-5K |
$29,428
+2.4% YoY
|
$19,516
+4.9% YoY
|
$19,687
+2.0% YoY
|
30% |
| CD Concentration |
35.6%
+6.8% YoY+8.6% QoQ
|
+6.6% | 29.0% | 17.2% | 19.8% | 78% |
| Indirect Auto % |
34.3%
-10.8% YoY-4.2% QoQ
|
+16.0% | 18.3% | 22.5% | 7.8% | 82% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)