BlastPoint's Credit Union Scorecard

CREDIT UNION WEST

Charter #68421 · AZ

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 4 in AZ

View Mid-Market leaderboard →

CREDIT UNION WEST has 2 strengths but faces 6 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

+ Net Interest Margin 0.74% above tier average
+ First Mortgage Concentration (%): Top 2.9% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 22.1% in tier
- Liquidity Strain: Bottom 38.4% in tier
- Credit Risk Growth: Bottom 39.7% in tier
- Credit Quality Pressure: Bottom 43.2% in tier
- ROA 0.29% below tier average
- Efficiency ratio 3.90% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Members	97,148 +4.5% YoY+2.1% QoQ	+1.1K	96,048 -2.7% YoY	61,699 +4.0% YoY	33,913 +5.7% YoY	60%
Assets	$1.5B +9.1% YoY+2.5% QoQ	$-267.0M	$1.7B +0.4% YoY	$1.1B +9.9% YoY	$578.3M +9.0% YoY	42%
Loans	$1.2B +7.1% YoY+3.3% QoQ	$-58.4M	$1.2B +0.2% YoY	$678.0M +10.6% YoY	$402.4M +8.7% YoY	56%
Deposits	$1.3B +9.3% YoY+2.7% QoQ	$-182.4M	$1.5B +0.5% YoY	$945.2M +9.4% YoY	$494.3M +9.1% 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	0.4% -34.3% YoY-48.8% QoQ	-0.3%	0.7% +27.6% YoY	0.7% +1.0% YoY	0.4% -39.2% YoY	25%
NIM	4.1% -1.0% YoY-4.2% QoQ	+0.7%	3.4% +6.2% YoY	3.9% +0.5% YoY	3.8% +4.1% YoY	Top 7.8% in tier
Efficiency Ratio	78.5% +13.8% YoY+17.2% QoQ	+3.9%	74.6% -3.0% YoY	76.9% -1.0% YoY	84.6% +2.8% YoY	65%
Delinquency Rate	0.4% +16.4% YoY-3.4% QoQ	-0.4	0.8% +6.9% YoY	0.8% +8.3% YoY	1.2% +3.4% YoY	24%
Loan To Share	90.0% -2.0% YoY+0.6% QoQ	+6.9%	83.2% -0.4% YoY	68.3% -2.8% YoY	65.6% -1.4% YoY	65%
AMR	$25,101 +3.6% YoY+0.9% QoQ	$-5K	$29,652 +2.3% YoY	$19,742 +4.3% YoY	$19,920 +1.6% YoY	31%
CD Concentration	34.8% +5.4% YoY-2.3% QoQ	+5.9%	28.8%	17.3%	19.8%	76%
Indirect Auto %	33.7% -10.5% YoY-1.7% QoQ	+15.6%	18.1%	21.9%	7.7%	82%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Indirect Auto Dependency

risk

#56 of 198 • Bottom 22.1% in tier

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

Why This Signature

Asset Growth (YoY): 9.07%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 33.69%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 4.49%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY

Credit Risk Growth

risk

#119 of 183 • Bottom 39.7% in tier

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

Why This Signature

Loan Growth (YoY): 7.14%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#164 of 225 • Bottom 43.2% 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: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | Rank improving

Liquidity Strain

risk

#127 of 148 • Bottom 38.4% in tier

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

Why This Signature

Loan-to-Share Ratio: 90.04%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 7.14%

(Tier: 6.71%, National: 1.74%)

but better than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 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 306 peers in tier

Top Strengths (6 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 11.42%

Peer Median: 33.05%

#10 of 306 Top 2.9% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.10%

Peer Median: 3.37%

#24 of 306 Top 7.5% in 1B-3B tier

Deposit Growth Rate

growth

Value: 9.34%

Peer Median: 4.44%

#50 of 306 Top 16.0% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.07%

Peer Median: 4.82%

#61 of 306 Top 19.6% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.38%

Peer Median: 0.63%

#74 of 306 Top 23.9% in 1B-3B tier

Member Growth Rate

growth

Value: 4.49%

Peer Median: 2.03%

#75 of 306 Top 24.2% in 1B-3B tier

Top Weaknesses (3 metrics)

259

Net Charge-Off Rate

risk

Value: 0.98%

Peer Median: 0.51%

#259 of 306 Bottom 15.7% in 1B-3B tier

254

Indirect Auto Concentration (%)

balance_sheet

Value: 33.69%

Peer Median: 13.86%

#254 of 306 Bottom 17.3% in 1B-3B tier

242

Share Certificate Concentration (%)

balance_sheet

Value: 34.77%

Peer Median: 27.93%

#242 of 306 Bottom 21.2% in 1B-3B tier