BlastPoint's Credit Union Scorecard

CREDIT UNION WEST

Charter #68421 · AZ

Mid-Market 1B-3B

300 CUs in 1B-3B nationally 5 in AZ

View Mid-Market leaderboard →

CREDIT UNION WEST has 4 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

AZ Analysis

How does AZ stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 71.5% in tier
+ Net Interest Margin 0.76% above tier average
+ Strong member growth: 6.1% YoY
+ First Mortgage Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 8.1% in tier
- Indirect Auto Dependency: Bottom 20.4% in tier
- Credit Risk Growth: Bottom 25.8% in tier
- Liquidity Strain: Bottom 29.6% in tier
- Credit Quality Pressure: Bottom 46.8% in tier
- ROA 0.24% below tier average
- Efficiency ratio 1.92% above tier (higher cost structure)

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 5 that size in Arizona.
Shares and deposits +10.0% year over year ($1.28B in shares and deposits).
Membership: 99,715 members, +6.1% vs a year ago.
Delinquency rate 0.38%.
Return on assets 0.58%.
Efficiency ratio 74.94% vs a 73.02% peer average.
Loan-to-share ratio 93.98% 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 (AZ)	National Avg	Tier Percentile
Members	99,715 +6.1% YoY+2.6% QoQ	+2.9K	96,861 -1.9% YoY	62,580 +4.2% YoY	34,678 +6.6% YoY	61%
Assets	$1.5B +9.6% YoY-0.0% QoQ	$-271.5M	$1.7B +0.4% YoY	$1.1B +8.8% YoY	$593.1M +10.2% YoY	41%
Loans	$1.2B +9.9% YoY+4.1% QoQ	$-31.8M	$1.2B +0.7% YoY	$693.0M +9.0% YoY	$418.6M +10.1% YoY	58%
Deposits	$1.3B +10.0% YoY-0.3% QoQ	$-183.9M	$1.5B +0.5% YoY	$946.4M +8.0% YoY	$504.8M +10.3% YoY	47%

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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	0.6% -20.6% YoY+36.2% QoQ	-0.2%	0.8% +27.6% YoY	0.9% +15.7% YoY	1.2% +121.4% YoY	31%
NIM	4.2% -2.6% YoY+2.1% QoQ	+0.8%	3.4% +6.6% YoY	4.0% +1.6% YoY	3.8% +2.3% YoY	Top 7.3% in tier
Efficiency Ratio	74.9% +8.0% YoY-4.6% QoQ	+1.9%	73.0% -2.7% YoY	75.7% -0.5% YoY	83.0% -5.3% YoY	55%
Delinquency Rate	0.4% +14.0% YoY-0.8% QoQ	-0.5	0.9% +7.3% YoY	0.9% +18.9% YoY	1.3% +2.6% YoY	18%
Loan To Share	94.0% -0.1% YoY+4.4% QoQ	+9.3%	84.7% +0.1% YoY	69.6% -1.2% YoY	66.4% -1.4% YoY	75%
AMR	$24,890 +3.7% YoY-0.8% QoQ	$-5K	$29,575 +1.5% YoY	$19,787 +3.1% YoY	$20,028 -0.9% YoY	30%
CD Concentration	33.9% +3.6% YoY-2.6% QoQ	+4.8%	29.1%	17.9%	20.0%	71%
Indirect Auto %	34.9% -5.5% YoY+3.7% QoQ	+16.8%	18.1%	21.3%	7.7%	84%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#49 of 82 • Top 71.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.58%

(Tier: 0.84%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 6.07%

(Tier: 3.16%, National: 15.67%)

better than tier avg

82 of 377 Mid-Market CUs have this signature | 283 nationally

↑ Growing +14 CUs YoY | Rank improving

Concerns (5)

Indirect Auto Dependency

risk

#48 of 193 • Bottom 20.4% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.64%

(Tier: 6.52%, National: 3.30%)

but better than tier avg

Indirect Auto %: 34.93%

(Tier: 18.08%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 6.07%

(Tier: 3.16%, National: 15.67%)

but better than tier avg

193 of 377 Mid-Market CUs have this signature | 714 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Liquidity Strain

risk

#85 of 168 • Bottom 29.6% in tier

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

Why This Signature

Loan-to-Share Ratio: 93.98%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 9.92%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

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

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

Credit Risk Growth

risk

#107 of 170 • Bottom 25.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 9.92%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

170 of 377 Mid-Market CUs have this signature | 688 nationally

→ Stable (169→170 CUs) +1 CUs YoY | New qualifier

Credit Quality Pressure

risk

#174 of 215 • Bottom 46.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.08% points)

but better than tier avg

215 of 377 Mid-Market CUs have this signature | 962 nationally

↓ Shrinking -28 CUs YoY | New qualifier

Cost Spiral

risk

#7 of 8 • Bottom 8.1% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature

Efficiency Ratio Change: 5.55% points

(Tier: -1.92% points, National: -3.74% points)

worse than tier avg

Efficiency Ratio (Prior Year): 69.39%

(Tier: 74.29%, National: 86.72%)

but better than tier avg

8 of 377 Mid-Market CUs have this signature | 106 nationally

↓ Shrinking -12 CUs YoY | New qualifier

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 (8 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 11.28%

Peer Median: 33.59%

#10 of 300 Top 3.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.18%

Peer Median: 3.46%

#22 of 300 Top 7.0% in 1B-3B tier

Member Growth Rate

growth

Value: 6.07%

Peer Median: 1.84%

#40 of 300 Top 13.0% in 1B-3B tier

Deposit Growth Rate

growth

Value: 10.04%

Peer Median: 4.79%

#49 of 300 Top 16.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.64%

Peer Median: 5.21%

#55 of 300 Top 18.0% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: 0.70%

#56 of 300 Top 18.3% in 1B-3B tier

Loan Growth Rate

growth

Value: 9.92%

Peer Median: 5.71%

#75 of 300 Top 24.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 93.98%

Peer Median: 87.07%

#76 of 300 Top 25.0% in 1B-3B tier

Top Weaknesses (2 metrics)

254

Indirect Auto Concentration (%)

balance_sheet

Value: 34.93%

Peer Median: 14.26%

#254 of 300 Bottom 15.7% in 1B-3B tier

252

Net Charge-Off Rate

risk

Value: 0.96%

Peer Median: 0.52%

#252 of 300 Bottom 16.3% in 1B-3B tier