BlastPoint's Credit Union Scorecard
CANOPY
Charter #11162 · WA
CANOPY has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.86% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 11.56% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 1.5% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
- Shares and deposits +0.9% year over year ($198M in shares and deposits).
- Membership: 13,541 members, +0.6% vs a year ago.
- Delinquency rate 0.86%.
- Return on assets 0.18%.
- Efficiency ratio 88.30% vs a 76.73% peer average.
- Loan-to-share ratio 92.04% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,541
+0.6% YoY+0.7% QoQ
|
-1.6K |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$222.0M
-7.0% YoY-0.1% QoQ
|
$-10.1M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$182.3M
+2.6% YoY+1.5% QoQ
|
+$36.0M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$198.0M
+0.9% YoY+0.1% QoQ
|
$-2.7M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
0.2%
+32.0% YoY-133.9% QoQ
|
-0.7% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 7.7% in tier |
| NIM |
4.5%
+10.2% YoY+1.9% QoQ
|
+0.9% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 9.9% in tier |
| Efficiency Ratio |
88.3%
+9.0% YoY-0.7% QoQ
|
+11.6% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
84% |
| Delinquency Rate |
0.9%
-34.1% YoY-25.6% QoQ
|
+0.0 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
61% |
| Loan To Share |
92.0%
+1.7% YoY+1.5% QoQ
|
+20.5% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 11.1% in tier |
| AMR |
$28,086
+1.1% YoY+0.0% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
74% |
| CD Concentration |
21.9%
+2.5% YoY-0.4% QoQ
|
-2.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
22.4%
+38.9% YoY+0.9% QoQ
|
+8.8% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)