BlastPoint's Credit Union Scorecard
WESTEDGE
Charter #8113 · WA
WESTEDGE has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.72% above tier average
- + Net Interest Margin 0.07% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Total Assets: Top 7.9% in tier
- + Average Member Relationship (AMR): Top 8.5% in tier
- + Total Deposits: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.54% above tier average
- - Member decline: -2.6% YoY
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,182
-2.6% YoY-0.9% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$78.9M
+0.4% YoY-1.9% QoQ
|
+$49.1M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 8.0% in tier |
| Loans |
$36.7M
+1.2% YoY+1.1% QoQ
|
+$21.0M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 13.1% in tier |
| Deposits |
$66.3M
-1.3% YoY-2.7% QoQ
|
+$40.9M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 8.6% in tier |
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| ROA |
1.4%
+167.4% YoY-4.1% QoQ
|
+0.7% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
4.0%
+15.1% YoY+3.8% QoQ
|
+0.1% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
55% |
| Efficiency Ratio |
62.1%
-13.7% YoY+3.0% QoQ
|
-19.3% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
2.0%
+60.7% YoY-8.2% QoQ
|
+0.5 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
55.4%
+2.5% YoY+3.9% QoQ
|
-5.9% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
41% |
| AMR |
$24,649
+2.3% YoY-0.5% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.6% in tier |
| CD Concentration |
14.0%
+64.4% YoY+9.4% QoQ
|
-10.4% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)