BlastPoint's Credit Union Scorecard

CALCOE

Charter #2237 · WA

2556 CUs in <100M nationally 33 in WA

CALCOE has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.42% above tier average
+ Fee Income Per Member: Top 7.6% in tier

Key Concerns

Areas that may need attention

- ROA 0.00% below tier average
- Delinquency rate 0.13% above tier average
- Member decline: -3.6% YoY
- Indirect Auto Concentration (%): Bottom 3.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,588 -3.6% YoY-1.0% QoQ	+972	2,615 -1.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	75%
Assets	$43.6M +0.5% YoY+0.3% QoQ	+$13.4M	$30.1M +2.1% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	72%
Loans	$33.2M +1.2% YoY+1.6% QoQ	+$17.5M	$15.8M -1.3% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	85%
Deposits	$38.6M +0.2% YoY+0.8% QoQ	+$12.9M	$25.7M +1.4% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	74%

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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% +24.0% YoY+20.0% QoQ	-0.0%	0.6% +10.8% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	46%
NIM	4.4% +9.4% YoY+1.6% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	70%
Efficiency Ratio	74.3% -8.7% YoY-1.7% QoQ	-8.2%	82.6% -2.3% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	37%
Delinquency Rate	1.7% +100.3% YoY+67.6% QoQ	+0.1	1.6% -3.1% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	74%
Loan To Share	86.1% +1.0% YoY+0.8% QoQ	+25.5%	60.6% -3.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	Top 14.1% in tier
AMR	$20,014 +4.5% YoY+2.2% QoQ	+$5K	$14,783 -1.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	79%
CD Concentration	21.1% -8.8% YoY+2.1% QoQ	-3.3%	24.4%	22.5%	19.8%	50%
Indirect Auto %	35.2% -16.2% YoY-5.5% QoQ	+21.4%	13.8%	16.8%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

196

Fee Income Per Member

profitability

Value: $194.88

Peer Median: -

#196 of 2556 Top 7.6% in <100M tier

283

Loan-to-Member Ratio (LMR)

engagement

Value: $9,259

Peer Median: -

#283 of 2556 Top 11.0% in <100M tier

358

Loan-to-Share Ratio

balance_sheet

Value: 86.10%

Peer Median: -

#358 of 2556 Top 14.0% in <100M tier

387

Total Loans

balance_sheet

Value: $33.22M

Peer Median: -

#387 of 2556 Top 15.1% in <100M tier

542

Average Member Relationship (AMR)

engagement

Value: $20,014

Peer Median: -

#542 of 2556 Top 21.2% in <100M tier

Top Weaknesses (2 metrics)

2471

Indirect Auto Concentration (%)

balance_sheet

Value: 35.22%

Peer Median: -

#2471 of 2556 Bottom 3.4% in <100M tier

2110

Net Charge-Off Rate

risk

Value: 0.93%

Peer Median: -

#2110 of 2556 Bottom 17.5% in <100M tier