BlastPoint's Credit Union Scorecard

WYHY

Charter #9094 · WY

100M-500M

1070 CUs in 100M-500M nationally 8 in WY

WYHY has 4 strengths but faces 6 concerns

National Analysis

How does the industry compare?

WY Analysis

How does WY stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.75% above tier average
+ Total Loans: Top 6.4% in tier
+ Total Assets: Top 9.5% in tier
+ Total Deposits: Top 9.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.16% below tier average
- Delinquency rate 3.42% above tier average
- Total Delinquency Rate (60+ days): Bottom 0.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Members	22,839 +2.5% YoY+0.5% QoQ	+7.7K	15,145 -2.5% YoY	21,934 +2.5% YoY	33,913 +5.7% YoY	84%
Assets	$409.6M +3.0% YoY+1.9% QoQ	+$177.9M	$231.7M +0.8% YoY	$341.2M +5.8% YoY	$578.3M +9.0% YoY	Top 9.6% in tier
Loans	$293.1M +1.8% YoY-1.1% QoQ	+$148.9M	$144.1M +0.2% YoY	$250.8M +3.8% YoY	$402.4M +8.7% YoY	Top 6.4% in tier
Deposits	$353.9M +2.3% YoY+1.9% QoQ	+$152.7M	$201.1M +0.4% YoY	$290.8M +4.6% YoY	$494.3M +9.1% YoY	Top 10.0% 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	0.6% -41.5% YoY-47.9% QoQ	-0.2%	0.7% +5.1% YoY	1.0% -6.8% YoY	0.4% -39.2% YoY	40%
NIM	4.4% +5.8% YoY-0.6% QoQ	+0.8%	3.6% +4.6% YoY	3.9% -0.5% YoY	3.8% +4.1% YoY	Top 12.0% in tier
Efficiency Ratio	66.2% -6.0% YoY-2.8% QoQ	-11.8%	78.0% -1.7% YoY	73.8% +4.7% YoY	84.6% +2.8% YoY	18%
Delinquency Rate	4.2% +105.4% YoY+17.1% QoQ	+3.4	0.8% +7.1% YoY	1.7% +17.4% YoY	1.2% +3.4% YoY	Bottom 0.7% in tier
Loan To Share	82.8% -0.4% YoY-2.9% QoQ	+12.4%	70.4% -0.4% YoY	76.1% -2.5% YoY	65.6% -1.4% YoY	75%
AMR	$28,327 -0.4% YoY+0.0% QoQ	+$3K	$24,918 +2.7% YoY	$23,399 +4.1% YoY	$19,920 +1.6% YoY	75%
CD Concentration	35.5% -1.6% YoY+0.8% QoQ	+11.2%	24.3%	26.4%	19.8%	50%
Indirect Auto %	33.0% +4.8% YoY+0.8% QoQ	+19.2%	13.8%	19.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#6 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 2.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk

#184 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.82%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 2.15% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#306 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.02%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 32.96%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 2.49%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

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 1070 peers in tier

Top Strengths (12 metrics)

Total Loans

balance_sheet

Value: $293.10M

Peer Median: $121.41M

#69 of 1070 Top 6.4% in 100M-500M tier

103

Total Assets

balance_sheet

Value: $409.60M

Peer Median: $196.57M

#103 of 1070 Top 9.5% in 100M-500M tier

107

Total Deposits

balance_sheet

Value: $353.87M

Peer Median: $171.29M

#107 of 1070 Top 9.9% in 100M-500M tier

110

Fee Income Per Member

profitability

Value: $252.77

Peer Median: $154.95

#110 of 1070 Top 10.2% in 100M-500M tier

128

Net Interest Margin (NIM)

profitability

Value: 4.38%

Peer Median: 3.62%

#128 of 1070 Top 11.9% in 100M-500M tier

166

Total Members

engagement

Value: 22,839

Peer Median: 13,200

#166 of 1070 Top 15.4% in 100M-500M tier

183

Members Per Employee (MPE)

engagement

Value: 415.255

Peer Median: 309.176

#183 of 1070 Top 17.0% in 100M-500M tier

189

Efficiency Ratio

profitability

Value: 66.23%

Peer Median: 78.68%

#189 of 1070 Top 17.6% in 100M-500M tier

201

Loan-to-Member Ratio (LMR)

engagement

Value: $12,833

Peer Median: $9,356

#201 of 1070 Top 18.7% in 100M-500M tier

250

Member Growth Rate

growth

Value: 2.49%

Peer Median: -0.06%

#250 of 1070 Top 23.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1063

Total Delinquency Rate (60+ days)

risk

Value: 4.19%

Peer Median: 0.61%

#1063 of 1070 Bottom 0.7% in 100M-500M tier

931

Indirect Auto Concentration (%)

balance_sheet

Value: 32.96%

Peer Median: 6.61%

#931 of 1070 Bottom 13.1% in 100M-500M tier

930

Share Certificate Concentration (%)

balance_sheet

Value: 35.48%

Peer Median: 23.10%

#930 of 1070 Bottom 13.2% in 100M-500M tier

868

AMR Growth Rate

growth

Value: -0.40%

Peer Median: 3.46%

#868 of 1070 Bottom 19.0% in 100M-500M tier

826

Net Charge-Off Rate

risk

Value: 0.69%

Peer Median: 0.35%

#826 of 1070 Bottom 22.9% in 100M-500M tier