BlastPoint's Credit Union Scorecard
LONGSHORE
Charter #13857 · WA
LONGSHORE has 4 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.37% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.95% below tier average
- - Net Charge-Off Rate: Bottom 3.1% in tier
- - Members Per Employee (MPE): Bottom 6.2% in tier
- - Net Worth Ratio: Bottom 6.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
405
+1.5% YoY+0.5% QoQ
|
-2.2K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Bottom 11.3% in tier |
| Assets |
$8.4M
+6.2% YoY+6.4% QoQ
|
$-21.5M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$3.0M
-9.0% YoY-3.9% QoQ
|
$-12.7M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
24% |
| Deposits |
$7.5M
+7.1% YoY+7.4% QoQ
|
$-17.9M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
30% |
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| ROA |
-0.3%
-327.7% YoY-1001.8% QoQ
|
-1.0% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.2% in tier |
| NIM |
4.3%
+8.6% YoY-1.4% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
67% |
| Efficiency Ratio |
74.3%
-2.8% YoY+4.9% QoQ
|
-7.1% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.5%
-86.0% YoY+3.8% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
40.5%
-15.0% YoY-10.5% QoQ
|
-20.8% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$26,071
+0.4% YoY+3.4% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 6.7% in tier |
| CD Concentration |
0.9%
-18.0% YoY-19.8% QoQ
|
-23.5% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)