BlastPoint's Credit Union Scorecard

CHENEY

Charter #7101 · WA

1069 CUs in 100M-500M nationally 16 in WA

CHENEY has 3 strengths but faces 6 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

+ Relationship Depth Leader: Top 61.8% in tier
+ Organic Growth Leader: Top 92.7% in tier
+ Organic Growth Engine: Top 92.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 76.8% in tier
- Credit Risk Growth: Bottom 78.0% in tier
- ROA 0.10% below tier average
- Net Interest Margin (NIM): Bottom 5.9% in tier
- Total Members: Bottom 7.7% in tier
- First Mortgage Concentration (%): Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	6,429 +0.7% YoY+0.0% QoQ	-9.0K	15,437 -2.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	Bottom 7.6% in tier
Assets	$148.3M +5.3% YoY+4.4% QoQ	$-83.5M	$231.9M +1.3% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	30%
Loans	$78.6M +5.0% YoY+2.9% QoQ	$-68.8M	$147.3M -0.1% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	21%
Deposits	$132.5M +4.8% YoY+4.2% QoQ	$-68.3M	$200.8M +0.8% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	32%

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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	0.7% +120.6% YoY+14.4% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	42%
NIM	2.5% +16.4% YoY+1.7% QoQ	-1.1%	3.6% +6.7% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	Bottom 5.8% in tier
Efficiency Ratio	72.7% -13.4% YoY-1.8% QoQ	-4.3%	77.0% -3.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	32%
Delinquency Rate	0.6% +17.3% YoY+141.9% QoQ	-0.3	0.9% +4.2% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	40%
Loan To Share	59.3% +0.2% YoY-1.2% QoQ	-12.9%	72.2% -1.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	22%
AMR	$32,830 +4.1% YoY+3.7% QoQ	+$8K	$24,676 +3.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	Top 12.3% in tier
CD Concentration	24.9% +8.3% YoY+3.8% QoQ	+0.4%	24.4%	22.5%	19.8%	50%
Indirect Auto %	14.2% -19.8% YoY-7.4% QoQ	+0.4%	13.8%	16.8%	7.8%	50%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#166 of 268 • Top 61.8% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.10%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.3K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | New qualifier

Organic Growth Leader

growth

#395 of 426 • Top 92.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.70%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 14.16%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Organic Growth Engine

growth

#553 of 595 • Top 92.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.70%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.66%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 14.16%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#542 of 705 • Bottom 76.8% in tier

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

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Credit Risk Growth

risk

#356 of 456 • Bottom 78.0% in tier

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

Why This Signature

Loan Growth (YoY): 4.95%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

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 1069 peers in tier

Top Strengths (2 metrics)

131

Average Member Relationship (AMR)

engagement

Value: $32,830

Peer Median: -

#131 of 1069 Top 12.2% in 100M-500M tier

246

Loan-to-Member Ratio (LMR)

engagement

Value: $12,223

Peer Median: -

#246 of 1069 Top 22.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1007

Net Interest Margin (NIM)

profitability

Value: 2.49%

Peer Median: -

#1007 of 1069 Bottom 5.9% in 100M-500M tier

988

Total Members

engagement

Value: 6,429

Peer Median: -

#988 of 1069 Bottom 7.7% in 100M-500M tier

964

First Mortgage Concentration (%)

balance_sheet

Value: 54.13%

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

842

Total Loans

balance_sheet

Value: $78.58M

Peer Median: -

#842 of 1069 Bottom 21.3% in 100M-500M tier

837

Loan-to-Share Ratio

balance_sheet

Value: 59.31%

Peer Median: -

#837 of 1069 Bottom 21.8% in 100M-500M tier

826

Net Worth Ratio

risk

Value: 9.69%

Peer Median: -

#826 of 1069 Bottom 22.8% in 100M-500M tier