BlastPoint's Credit Union Scorecard

CALCOE

Charter #2237 · WA

2596 CUs in <100M nationally 33 in WA

CALCOE has 2 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 0.37% above tier average
+ Fee Income Per Member: Top 7.2% in tier

Key Concerns

Areas that may need attention

- ROA 0.17% below tier average
- Member decline: -4.4% YoY
- Indirect Auto Concentration (%): Bottom 3.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,625 -4.4% YoY-0.4% QoQ	+999	2,625 -2.2% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	75%
Assets	$43.4M -1.8% YoY+0.4% QoQ	+$13.6M	$29.9M +1.1% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	73%
Loans	$32.7M -1.0% YoY+1.9% QoQ	+$16.9M	$15.8M -2.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	84%
Deposits	$38.3M -2.9% YoY+0.4% QoQ	+$12.8M	$25.5M +0.4% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	74%

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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	0.5% -1.2% YoY-39.8% QoQ	-0.2%	0.7% -731.4% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	37%
NIM	4.3% +9.3% YoY+2.4% QoQ	+0.4%	3.9% +3.8% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	67%
Efficiency Ratio	75.7% -7.4% YoY+0.5% QoQ	-5.7%	81.4% -2.4% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	44%
Delinquency Rate	1.0% +29.4% YoY-8.9% QoQ	-0.5	1.5% -2.0% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	61%
Loan To Share	85.4% +1.9% YoY+1.6% QoQ	+24.2%	61.2% -3.0% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	84%
AMR	$19,575 +2.5% YoY+1.5% QoQ	+$5K	$14,627 -2.7% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	78%
CD Concentration	20.7% -6.9% YoY-5.2% QoQ	-3.7%	24.4% +4.2% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	37.3% -12.3% YoY-6.1% QoQ	+23.3%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	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 2596 peers in tier

Top Strengths (5 metrics)

188

Fee Income Per Member

profitability

Value: $194.54

Peer Avg: -

#188 of 2596 Top 7.2% in <100M tier

316

Loan-to-Member Ratio (LMR)

engagement

Value: $9,016

Peer Avg: -

#316 of 2596 Top 12.1% in <100M tier

408

Total Loans

balance_sheet

Value: $32.68M

Peer Avg: -

#408 of 2596 Top 15.7% in <100M tier

414

Loan-to-Share Ratio

balance_sheet

Value: 85.39%

Peer Avg: -

#414 of 2596 Top 15.9% in <100M tier

573

Average Member Relationship (AMR)

engagement

Value: $19,575

Peer Avg: -

#573 of 2596 Top 22.0% in <100M tier

Top Weaknesses (4 metrics)

2515

Indirect Auto Concentration (%)

balance_sheet

Value: 37.26%

Peer Avg: -

#2515 of 2596 Bottom 3.2% in <100M tier

2136

Net Charge-Off Rate

risk

Value: 0.85%

Peer Avg: -

#2136 of 2596 Bottom 17.8% in <100M tier

2065

Member Growth Rate

growth

Value: -4.40%

Peer Avg: -

#2065 of 2596 Bottom 20.5% in <100M tier

1950

First Mortgage Concentration (%)

balance_sheet

Value: 25.73%

Peer Avg: -

#1950 of 2596 Bottom 24.9% in <100M tier