BlastPoint's Credit Union Scorecard

WATERFRONT

Charter #16178 · WA

2556 CUs in <100M nationally 33 in WA

WATERFRONT has 5 strengths but faces 3 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

+ Net Interest Margin 0.17% above tier average
+ Total Deposits: Top 2.2% in tier
+ Total Assets: Top 2.3% in tier
+ Total Loans: Top 4.9% in tier
+ Total Members: Top 6.7% in tier

Key Concerns

Areas that may need attention

- ROA 0.04% below tier average
- Delinquency rate 0.03% above tier average
- Indirect Auto Concentration (%): Bottom 5.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	6,648 -1.1% YoY-0.1% QoQ	+4.0K	2,615 -1.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	Top 6.8% in tier
Assets	$93.9M +2.1% YoY+2.4% QoQ	+$63.7M	$30.1M +2.1% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	Top 2.3% in tier
Loans	$51.7M -1.1% YoY+0.3% QoQ	+$35.9M	$15.8M -1.3% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	Top 4.9% in tier
Deposits	$81.9M +0.5% YoY+1.8% QoQ	+$56.2M	$25.7M +1.4% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	Top 2.3% in tier

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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	0.6% -47.1% YoY+15.5% QoQ	-0.0%	0.6% +10.8% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	44%
NIM	4.1% -0.2% YoY-1.7% QoQ	+0.2%	4.0% +4.0% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	77.8% +5.4% YoY-2.1% QoQ	-4.8%	82.6% -2.3% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	46%
Delinquency Rate	1.6% +454.7% YoY+14.8% QoQ	+0.0	1.6% -3.1% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	73%
Loan To Share	63.1% -1.6% YoY-1.5% QoQ	+2.5%	60.6% -3.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	53%
AMR	$20,097 +1.0% YoY+1.3% QoQ	+$5K	$14,783 -1.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	79%
CD Concentration	9.1% +5.2% YoY+3.4% QoQ	-15.3%	24.4%	22.5%	19.8%	50%
Indirect Auto %	22.5% +7.5% YoY+2.8% QoQ	+8.7%	13.8%	16.8%	7.8%	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)

Compare against:

Comparing against 2556 peers in tier

Top Strengths (8 metrics)

Total Deposits

balance_sheet

Value: $81.92M

Peer Median: -

#58 of 2556 Top 2.2% in <100M tier

Total Assets

balance_sheet

Value: $93.88M

Peer Median: -

#59 of 2556 Top 2.3% in <100M tier

125

Total Loans

balance_sheet

Value: $51.69M

Peer Median: -

#125 of 2556 Top 4.9% in <100M tier

173

Total Members

engagement

Value: 6,648

Peer Median: -

#173 of 2556 Top 6.7% in <100M tier

420

Fee Income Per Member

profitability

Value: $142.98

Peer Median: -

#420 of 2556 Top 16.4% in <100M tier

500

Loan-to-Member Ratio (LMR)

engagement

Value: $7,775

Peer Median: -

#500 of 2556 Top 19.5% in <100M tier

532

Average Member Relationship (AMR)

engagement

Value: $20,097

Peer Median: -

#532 of 2556 Top 20.8% in <100M tier

550

Members Per Employee (MPE)

engagement

Value: 443.200

Peer Median: -

#550 of 2556 Top 21.5% in <100M tier

Top Weaknesses (1 metrics)

2428

Indirect Auto Concentration (%)

balance_sheet

Value: 22.47%

Peer Median: -

#2428 of 2556 Bottom 5.0% in <100M tier