BlastPoint's Credit Union Scorecard
NORDSTROM
Charter #1788 · WA
NORDSTROM has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 8.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 3.04% above tier (higher cost structure)
- - Net Charge-Off Rate: Bottom 7.9% in tier
- - Net Worth Ratio: Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,149
-0.3% YoY-0.7% QoQ
|
+2.5K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 12.9% in tier |
| Assets |
$57.2M
+4.1% YoY-0.2% QoQ
|
+$27.1M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
81% |
| Loans |
$28.6M
-14.6% YoY-4.3% QoQ
|
+$12.8M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
81% |
| Deposits |
$51.3M
+4.5% YoY+0.0% QoQ
|
+$25.6M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
-0.1%
+431.1% YoY-66.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.2% in tier |
| NIM |
3.1%
-2.1% YoY+1.0% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
22% |
| Efficiency Ratio |
85.6%
+1.1% YoY+0.3% QoQ
|
+3.0% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
65% |
| Delinquency Rate |
0.5%
-62.5% YoY+35.8% QoQ
|
-1.0 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
43% |
| Loan To Share |
55.7%
-18.3% YoY-4.3% QoQ
|
-4.9% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
42% |
| AMR |
$15,501
-3.0% YoY-0.9% QoQ
|
+$719 |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
17.0%
+0.2% YoY-0.1% QoQ
|
-7.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 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)