BlastPoint's Credit Union Scorecard
WATERFRONT
Charter #16178 · WA
WATERFRONT has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.26% above tier average
- + Total Deposits: Top 2.4% in tier
- + Total Assets: Top 3.0% in tier
- + Total Loans: Top 4.8% in tier
- + Total Members: Top 7.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Indirect Auto Concentration (%): Bottom 5.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,654
-1.7% YoY-0.4% QoQ
|
+4.0K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Top 7.0% in tier |
| Assets |
$91.7M
+1.5% YoY+0.9% QoQ
|
+$61.9M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 3.0% in tier |
| Loans |
$51.5M
-2.8% YoY-2.1% QoQ
|
+$35.7M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 4.9% in tier |
| Deposits |
$80.4M
+0.3% YoY+0.2% QoQ
|
+$55.0M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.4% in tier |
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| ROA |
0.5%
-52.3% YoY+5.0% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
4.2%
+3.4% YoY-0.4% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
79.5%
+4.3% YoY+2.4% QoQ
|
-1.9% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
53% |
| Delinquency Rate |
1.4%
+172.9% YoY+205.7% QoQ
|
-0.1 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
70% |
| Loan To Share |
64.0%
-3.1% YoY-2.3% QoQ
|
+2.8% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$19,830
+0.7% YoY-0.3% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
79% |
| CD Concentration |
8.8%
-19.3% YoY-8.3% QoQ
|
-15.6% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
21.9%
+3.2% YoY-12.7% QoQ
|
+7.9% |
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)