BlastPoint's Credit Union Scorecard
WATERFRONT
Charter #16178 · WA
WATERFRONT has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 2.1% in tier
- + Total Assets: Top 2.4% in tier
- + Total Loans: Top 4.8% in tier
- + Total Members: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.17% below tier average
- - Indirect Auto Concentration (%): Bottom 4.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits +1.8% year over year ($81.7M in shares and deposits).
- Membership: 6,558 members, -1.9% vs a year ago.
- Delinquency rate 0.94%.
- Return on assets 0.33%.
- Efficiency ratio 83.81% vs a 88.77% peer average.
- Loan-to-share ratio 62.56% vs a 58.89% 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 |
6,558
-1.9% YoY-0.4% QoQ
|
+4.0K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Top 6.6% in tier |
| Assets |
$93.2M
+2.6% YoY-0.4% QoQ
|
+$63.0M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 2.4% in tier |
| Loans |
$51.1M
-2.9% YoY-0.2% QoQ
|
+$35.7M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 4.8% in tier |
| Deposits |
$81.7M
+1.8% YoY-0.1% QoQ
|
+$55.9M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 2.1% in tier |
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| ROA |
0.3%
-32.4% YoY-52.3% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
20% |
| NIM |
3.9%
-7.8% YoY-0.4% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
50% |
| Efficiency Ratio |
83.8%
+7.9% YoY+4.3% QoQ
|
-5.0% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.9%
+109.1% YoY+10.2% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
62.6%
-4.6% YoY-0.1% QoQ
|
+3.7% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
56% |
| AMR |
$20,251
+1.8% YoY+0.2% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
9.4%
-1.7% YoY+3.9% QoQ
|
-15.1% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
22.8%
-8.9% YoY+2.7% QoQ
|
+9.2% | 13.6% | 16.0% | 7.7% | 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)