BlastPoint's Credit Union Scorecard
WYHY
Charter #9094 · WY
WYHY has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 18.7% in tier
- + Profitability Leader: Top 83.8% in tier
- + ROA 0.40% above tier average
- + Net Interest Margin 0.73% above tier average
- + Total Loans: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.9% in tier
- - Indirect Auto Dependency: Bottom 14.1% in tier
- - Delinquency rate 1.82% above tier average
- - Total Delinquency Rate (60+ days): Bottom 3.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,721
+2.1% YoY+0.9% QoQ
|
+7.1K |
15,628
-3.4% YoY
|
21,805
+7.5% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$400.1M
+4.3% YoY-0.3% QoQ
|
+$168.8M |
$231.3M
-0.0% YoY
|
$326.6M
+9.9% YoY
|
$547.7M
+7.8% YoY
|
Top 10.5% in tier |
| Loans |
$296.8M
+0.3% YoY+2.0% QoQ
|
+$149.0M |
$147.8M
-1.4% YoY
|
$246.2M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
Top 6.7% in tier |
| Deposits |
$343.3M
+3.3% YoY-0.8% QoQ
|
+$143.0M |
$200.3M
-0.0% YoY
|
$279.6M
+8.1% YoY
|
$464.6M
+9.3% YoY
|
Top 11.1% in tier |
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| ROA |
1.2%
+7.6% YoY+5.1% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
1.2%
+23.5% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
4.3%
+1.9% YoY+3.0% QoQ
|
+0.7% |
3.6%
+6.9% YoY
|
3.9%
+2.2% YoY
|
3.7%
+5.0% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
66.9%
-3.0% YoY-0.6% QoQ
|
-10.4% |
77.3%
-3.0% YoY
|
69.2%
-3.0% YoY
|
79.1%
-3.3% YoY
|
18% |
| Delinquency Rate |
2.7%
+92.1% YoY+19.1% QoQ
|
+1.8 |
0.9%
+7.6% YoY
|
2.1%
+78.2% YoY
|
1.2%
-0.9% YoY
|
Top 3.2% in tier |
| Loan To Share |
86.5%
-3.0% YoY+2.8% QoQ
|
+13.8% |
72.7%
-1.5% YoY
|
79.1%
-2.4% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$28,172
-0.2% YoY-0.5% QoQ
|
+$4K |
$24,363
+2.9% YoY
|
$22,916
+4.8% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
35.8%
-0.0% YoY-4.0% QoQ
|
+11.4% |
24.4%
+4.2% YoY
|
26.0%
+2.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
32.9%
+5.3% YoY+2.0% QoQ
|
+18.9% |
14.0%
-5.7% YoY
|
19.6%
+0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)