BlastPoint's Credit Union Scorecard

WESTPORT

Charter #7652 ยท MA

2596 CUs in <100M nationally 68 in MA

WESTPORT has 8 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.33% above tier average
  • + Total Deposits: Top 5.2% in tier
  • + Asset Growth Rate: Top 5.8% in tier
  • + Deposit Growth Rate: Top 6.4% in tier
  • + AMR Growth Rate: Top 6.6% in tier
  • + Loan Growth Rate: Top 6.7% in tier
  • + Total Assets: Top 7.2% in tier
  • + Total Members: Top 8.1% in tier

Key Concerns

Areas that may need attention

  • - First Mortgage Concentration (%): Bottom 4.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (MA) National Avg Tier Percentile
Members 6,289
+0.1% YoY+0.2% QoQ
+3.7K 2,625
-2.2% YoY
27,447
+2.6% YoY
33,089
+6.1% YoY
Top 8.1% in tier
Assets $81.1M
+11.7% YoY+2.8% QoQ
+$51.3M $29.9M
+1.1% YoY
$440.2M
+4.2% YoY
$547.7M
+7.8% YoY
Top 7.2% in tier
Loans $37.7M
+14.0% YoY+10.7% QoQ
+$22.0M $15.8M
-2.4% YoY
$341.2M
+2.4% YoY
$388.7M
+8.6% YoY
Top 12.2% in tier
Deposits $73.6M
+11.6% YoY+2.8% QoQ
+$48.1M $25.5M
+0.4% YoY
$366.8M
+5.5% YoY
$464.6M
+9.3% YoY
Top 5.3% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 1.0%
-26.2% YoY+0.6% QoQ
+0.3% 0.7%
-731.4% YoY
0.7%
+17.3% YoY
0.7%
+273.4% YoY
62%
NIM 3.4%
-5.0% YoY-1.8% QoQ
-0.5% 3.9%
+3.8% YoY
3.3%
+3.8% YoY
3.7%
+5.0% YoY
32%
Efficiency Ratio 72.0%
+9.5% YoY-1.9% QoQ
-9.4% 81.4%
-2.4% YoY
80.4%
-4.7% YoY
79.1%
-3.3% YoY
35%
Delinquency Rate 0.5%
-9.0% YoY-53.4% QoQ
-1.0 1.5%
-2.0% YoY
0.9%
-6.0% YoY
1.2%
-0.9% YoY
43%
Loan To Share 51.3%
+2.2% YoY+7.7% QoQ
-10.0% 61.2%
-3.0% YoY
74.2%
-1.7% YoY
68.0%
-1.7% YoY
34%
AMR $17,699
+12.3% YoY+5.1% QoQ
+$3K $14,627
-2.7% YoY
$24,707
+3.7% YoY
$19,418
+1.3% YoY
70%
CD Concentration 19.1%
+187.5% YoY+17.5% QoQ
-5.3% 24.4%
+4.2% YoY
24.8%
+8.8% YoY
19.6%
+6.2% YoY
50%
Indirect Auto % 4.5%
-40.9% YoY-16.6% QoQ
-9.4% 14.0%
-5.7% YoY
2.6%
-15.5% YoY
7.9%
-2.9% YoY
50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2596 peers in tier

Top Strengths (9 metrics)

137
Total Deposits
balance_sheet
Value: $73.59M
Peer Avg: -
#137 of 2596 Top 5.2% in <100M tier
152
Asset Growth Rate
growth
Value: 11.71%
Peer Avg: -
#152 of 2596 Top 5.8% in <100M tier
167
Deposit Growth Rate
growth
Value: 11.60%
Peer Avg: -
#167 of 2596 Top 6.4% in <100M tier
172
AMR Growth Rate
growth
Value: 12.25%
Peer Avg: -
#172 of 2596 Top 6.6% in <100M tier
174
Loan Growth Rate
growth
Value: 14.02%
Peer Avg: -
#174 of 2596 Top 6.7% in <100M tier
187
Total Assets
balance_sheet
Value: $81.13M
Peer Avg: -
#187 of 2596 Top 7.2% in <100M tier
211
Total Members
engagement
Value: 6,289
Peer Avg: -
#211 of 2596 Top 8.1% in <100M tier
317
Total Loans
balance_sheet
Value: $37.72M
Peer Avg: -
#317 of 2596 Top 12.2% in <100M tier
541
Members Per Employee (MPE)
engagement
Value: 449.214
Peer Avg: -
#541 of 2596 Top 20.8% in <100M tier

Top Weaknesses (3 metrics)

2480
First Mortgage Concentration (%)
balance_sheet
Value: 57.91%
Peer Avg: -
#2480 of 2596 Bottom 4.5% in <100M tier
2322
Net Worth Ratio
risk
Value: 9.17%
Peer Avg: -
#2322 of 2596 Bottom 10.6% in <100M tier
2292
Indirect Auto Concentration (%)
balance_sheet
Value: 4.55%
Peer Avg: -
#2292 of 2596 Bottom 11.7% in <100M tier
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