BlastPoint's Credit Union Scorecard

WESTEDGE

Charter #8113 · WA

<100M

2508 CUs in <100M nationally 33 in WA

WESTEDGE has 4 strengths but faces 1 concern

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.76% above tier average
+ Total Assets: Top 7.7% in tier
+ Total Deposits: Top 8.6% in tier
+ Average Member Relationship (AMR): Top 8.8% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.3% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	4,133 -2.3% YoY+0.5% QoQ	+1.5K	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	80%
Assets	$79.1M -5.4% YoY+1.0% QoQ	+$48.9M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	Top 7.7% in tier
Loans	$35.9M -0.1% YoY-0.0% QoQ	+$20.6M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Top 12.8% in tier
Deposits	$66.3M -7.5% YoY+1.1% QoQ	+$40.5M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	Top 8.6% in tier

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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	0.9% -33.7% YoY-31.9% QoQ	+0.8%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	65%
NIM	3.9% +4.8% YoY-3.7% QoQ	-0.1%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	56%
Efficiency Ratio	66.8% +7.7% YoY+6.0% QoQ	-23.8%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	20%
Delinquency Rate	1.2% -41.5% YoY-15.6% QoQ	-0.3	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	68%
Loan To Share	54.2% +8.0% YoY-1.1% QoQ	-4.3%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	44%
AMR	$24,719 -2.8% YoY+0.2% QoQ	+$10K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 8.9% in tier
CD Concentration	15.7% +46.8% YoY+2.6% QoQ	-8.6%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.1%	7.7%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

194

Total Assets

balance_sheet

Value: $79.06M

Peer Median: $21.86M

#194 of 2508 Top 7.7% in <100M tier

216

Total Deposits

balance_sheet

Value: $66.27M

Peer Median: $18.77M

#216 of 2508 Top 8.6% in <100M tier

222

Average Member Relationship (AMR)

engagement

Value: $24,719

Peer Median: $13,926

#222 of 2508 Top 8.8% in <100M tier

320

Total Loans

balance_sheet

Value: $35.89M

Peer Median: $9.48M

#320 of 2508 Top 12.7% in <100M tier

338

Loan-to-Member Ratio (LMR)

engagement

Value: $8,685

Peer Median: $4,923

#338 of 2508 Top 13.4% in <100M tier

491

Fee Income Per Member

profitability

Value: $124.66

Peer Median: $60.42

#491 of 2508 Top 19.5% in <100M tier

494

Total Members

engagement

Value: 4,133

Peer Median: 1,918

#494 of 2508 Top 19.7% in <100M tier

510

Efficiency Ratio

profitability

Value: 66.79%

Peer Median: 81.45%

#510 of 2508 Top 20.3% in <100M tier

Top Weaknesses (4 metrics)

2236

Deposit Growth Rate

growth

Value: -7.55%

Peer Median: 0.66%

#2236 of 2508 Bottom 10.9% in <100M tier

2186

Asset Growth Rate

growth

Value: -5.37%

Peer Median: 1.30%

#2186 of 2508 Bottom 12.9% in <100M tier

2063

Net Charge-Off Rate

risk

Value: 0.81%

Peer Median: 0.07%

#2063 of 2508 Bottom 17.8% in <100M tier

2059

First Mortgage Concentration (%)

balance_sheet

Value: 33.34%

Peer Median: 3.66%

#2059 of 2508 Bottom 17.9% in <100M tier