CREDIT UNION WEST

Charter #68421 | AZ

1B-3B (304 CUs) Mid-Market (380 CUs)
4 1B-3B in AZ

CREDIT UNION WEST has 7 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 13.2% in tier
  • + Wallet Share Momentum: Top 16.3% in tier
  • + Relationship Depth Leader: Top 21.6% in tier
  • + Organic Growth Engine: Top 27.5% 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
 55th in tier
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
 32nd in tier
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
 49th in tier
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
 40th in tier
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
 64th in tier
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
 27th in tier
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
 Bottom 21.7% in tier
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
 74th in tier
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
 29th in tier
CD Concentration 32.8%
+2.1% YoY+0.3% QoQ
 +3.8% 29.0%
+0.8% YoY
 16.8%
+14.1% YoY
 19.6%
+6.2% YoY
 68th in tier
Indirect Auto % 35.8%
-5.9% YoY-3.1% QoQ
 +17.0% 18.8%
-2.8% YoY
 23.2%
-8.0% YoY
 7.9%
-2.9% YoY
 Top 16.4% in tier

Signature Analysis

Strengths (4)

Emerging Performer

growth
#71 of 184 • Top 13.2% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 1.62%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#119 of 264 • Top 16.3% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 4.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Relationship Depth Leader

growth
#157 of 264 • Top 21.6% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 4.92%
(Tier: 3.04%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $3.1K, National: $2.0K)
but worse than tier avg
264 of 380 Mid-Market CUs have this signature | 1330 nationally
↑ Growing +60 CUs YoY | Rank improving

Organic Growth Engine

growth
#200 of 246 • Top 27.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.62%
(Tier: 3.18%, National: 9.37%)
but worse than tier avg
Return on Assets: 0.82%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 35.78%
(Tier: 18.80%, National: 7.90%)
but worse than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank worsening

Concerns (4)

Indirect Auto Dependency

risk
#41 of 202 • Bottom 6.5% in tier

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

Why This Signature
Asset Growth (YoY): 5.60%
(Tier: 5.36%, National: 3.04%)
but better than tier avg
Indirect Auto %: 35.78%
(Tier: 18.80%, National: 7.90%)
worse than tier avg
Member Growth (YoY): 1.62%
(Tier: 3.18%, National: 9.37%)
worse than tier avg
202 of 380 Mid-Market CUs have this signature | 768 nationally
↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk
#94 of 183 • Bottom 17.8% in tier

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

Why This Signature
Loan-to-Share Ratio: 94.84%
(Tier: 86.35%, National: 67.96%)
but better than tier avg
Loan Growth (YoY): 8.18%
(Tier: 6.14%, National: 36.38%)
but better than tier avg
183 of 380 Mid-Market CUs have this signature | 484 nationally
↑ Growing +10 CUs YoY | Rank improving

Margin Compression

decline
#17 of 24 • Bottom 19.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 0.82%
(Tier: 0.71%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.29% points
(Tier: 0.07% points, National: 0.05% points)
worse than tier avg
Total Assets: $1.33B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
24 of 380 Mid-Market CUs have this signature | 169 nationally
↓ Shrinking -16 CUs YoY | Rank improving

Cost Spiral

risk
#12 of 14 • Bottom 19.6% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 5.77% points
(Tier: -7.46% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $1.33B
(Tier: $1.72B, National: $547.69M)
worse than tier avg
14 of 380 Mid-Market CUs have this signature | 80 nationally
→ Stable (16→14 CUs) -2 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)

Comparing against 304 peers in tier

Top Strengths (3 metrics)

7
First Mortgage Concentration (%)
balance_sheet
Value: 10.06%
Peer Avg: 34.01%
#7 of 304 Top 2.0% in 1B-3B tier
14
Net Interest Margin (NIM)
profitability
Value: 4.38%
Peer Avg: 3.26%
#14 of 304 Top 4.3% in 1B-3B tier
67
Total Delinquency Rate (60+ days)
risk
Value: 0.40%
Peer Avg: 0.83%
#67 of 304 Top 21.7% in 1B-3B tier

Top Weaknesses (2 metrics)

272
Net Charge-Off Rate
risk
Value: 1.11%
Peer Avg: 0.60%
#272 of 304 Bottom 10.9% in 1B-3B tier
257
Indirect Auto Concentration (%)
balance_sheet
Value: 35.78%
Peer Avg: 18.32%
#257 of 304 Bottom 15.8% in 1B-3B tier