BlastPoint's Credit Union Scorecard

LONGSHORE

Charter #13857 · WA

<100M
2508 CUs in <100M nationally 33 in WA

LONGSHORE has 3 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.75% above tier average
  • + Net Interest Margin 0.41% above tier average
  • + Average Member Relationship (AMR): Top 7.9% in tier

Key Concerns

Areas that may need attention

  • - Members Per Employee (MPE): Bottom 8.8% in tier
  • - Net Worth Ratio: Bottom 9.5% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Members 403
+0.8% YoY-0.7% QoQ
-2.3K 2,676
+1.6% YoY
67,148
+4.0% YoY
33,913
+5.7% YoY
Bottom 11.1% in tier
Assets $8.4M
+0.5% YoY+0.8% QoQ
$-21.8M $30.2M
+1.3% YoY
$1.3B
+6.8% YoY
$578.3M
+9.0% YoY
28%
Loans $2.7M
-15.6% YoY-4.9% QoQ
$-12.5M $15.3M
-2.0% YoY
$931.6M
+6.7% YoY
$402.4M
+8.7% YoY
23%
Deposits $7.5M
+0.3% YoY+0.7% QoQ
$-18.3M $25.8M
+0.7% YoY
$1.1B
+7.7% YoY
$494.3M
+9.1% YoY
30%

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Tier 1
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ROA 0.9%
+124.8% YoY
+0.7% 0.1%
-77.6% YoY
0.5%
+1.1% YoY
0.4%
-39.2% YoY
64%
NIM 4.4%
+1.1% YoY+5.7% QoQ
+0.4% 4.0%
+4.0% YoY
3.7%
+3.5% YoY
3.8%
+4.1% YoY
74%
Efficiency Ratio 72.5%
-0.6% YoY-7.1% QoQ
-18.1% 90.6%
+6.5% YoY
78.0%
-0.9% YoY
84.6%
+2.8% YoY
30%
Delinquency Rate 0.5%
-81.7% YoY
-1.0 1.5%
+3.8% YoY
0.9%
+10.5% YoY
1.2%
+3.4% YoY
44%
Loan To Share 36.7%
-15.8% YoY-5.6% QoQ
-21.8% 58.5%
-3.0% YoY
74.8%
-1.7% YoY
65.6%
-1.4% YoY
18%
AMR $25,368
-5.2% YoY-0.1% QoQ
+$10K $14,884
-1.7% YoY
$29,247
+2.9% YoY
$19,920
+1.6% YoY
Top 8.0% in tier
CD Concentration 0.9%
-11.7% YoY+0.8% QoQ
-23.4% 24.3% 22.5% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 16.1% 7.7% 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)

Comparing against 2508 peers in tier

Top Strengths (5 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 0.00%
#1 of 2508 Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 3.66%
#1 of 2508 Top 0.1% in <100M tier
200
Average Member Relationship (AMR)
engagement
Value: $25,368
Peer Median: $13,926
#200 of 2508 Top 7.9% in <100M tier
510
Net Charge-Off Rate
risk
Value: 0.00%
Peer Median: 0.07%
#510 of 2508 Top 20.3% in <100M tier
618
Share Certificate Concentration (%)
balance_sheet
Value: 0.90%
Peer Median: 12.45%
#618 of 2508 Top 24.6% in <100M tier

Top Weaknesses (7 metrics)

2289
Members Per Employee (MPE)
engagement
Value: 134.333
Peer Median: 333.750
#2289 of 2508 Bottom 8.8% in <100M tier
2271
Net Worth Ratio
risk
Value: 8.89%
Peer Median: 14.28%
#2271 of 2508 Bottom 9.5% in <100M tier
2235
Loan Growth Rate
growth
Value: -15.55%
Peer Median: -2.36%
#2235 of 2508 Bottom 10.9% in <100M tier
2230
Total Members
engagement
Value: 403
Peer Median: 1,918
#2230 of 2508 Bottom 11.1% in <100M tier
2102
AMR Growth Rate
growth
Value: -5.23%
Peer Median: 1.27%
#2102 of 2508 Bottom 16.2% in <100M tier
2047
Loan-to-Share Ratio
balance_sheet
Value: 36.74%
Peer Median: 58.72%
#2047 of 2508 Bottom 18.4% in <100M tier
1935
Total Loans
balance_sheet
Value: $2.75M
Peer Median: $9.48M
#1935 of 2508 Bottom 22.9% in <100M tier
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