BlastPoint's Credit Union Scorecard
MT. RAINIER
Charter #18068 · WA
MT. RAINIER has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.81% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -3.3% YoY
- - Loan Growth Rate: Bottom 3.6% in tier
- - Loan-to-Share Ratio: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,163
-3.3% YoY-1.1% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$27.3M
+3.7% YoY-3.8% QoQ
|
$-2.6M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
57% |
| Loans |
$5.2M
-26.1% YoY-10.1% QoQ
|
$-10.6M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
35% |
| Deposits |
$23.8M
+2.1% YoY+3.8% QoQ
|
$-1.7M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
58% |
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| ROA |
1.5%
+2.9% YoY-11.8% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
80% |
| NIM |
3.5%
-7.0% YoY-5.9% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
34% |
| Efficiency Ratio |
61.5%
+17.1% YoY+7.3% QoQ
|
-19.9% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.2%
-21.4% YoY-84.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
21.8%
-27.7% YoY-13.3% QoQ
|
-39.4% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.1% in tier |
| AMR |
$24,871
-1.1% YoY+2.1% QoQ
|
+$10K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.2% in tier |
| CD Concentration |
13.8%
+11.3% YoY-2.2% QoQ
|
-10.6% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)