BlastPoint's Credit Union Scorecard

CALCOE

Charter #2237 · WA

<100M

2508 CUs in <100M nationally 33 in WA

CALCOE has 3 strengths but faces 2 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

+ ROA 0.54% above tier average
+ Net Interest Margin 0.45% above tier average
+ Fee Income Per Member: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.7% YoY
- Indirect Auto Concentration (%): Bottom 3.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,541 -3.7% YoY-1.3% QoQ	+864	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	74%
Assets	$44.2M +0.1% YoY+1.5% QoQ	+$14.0M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	73%
Loans	$32.2M -0.0% YoY-3.1% QoQ	+$16.9M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	85%
Deposits	$38.9M -0.5% YoY+0.8% QoQ	+$13.1M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% 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	0.7% +73.1% YoY+10.5% QoQ	+0.5%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	54%
NIM	4.5% +9.7% YoY+1.8% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	77.6% -0.2% YoY+4.4% QoQ	-13.0%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	40%
Delinquency Rate	0.8% +0.9% YoY-50.7% QoQ	-0.7	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	59%
Loan To Share	82.8% +0.5% YoY-3.9% QoQ	+24.3%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	85%
AMR	$20,068 +3.6% YoY+0.3% QoQ	+$5K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	78%
CD Concentration	21.2% -8.2% YoY+0.4% QoQ	-3.1%	24.3%	22.5%	19.8%	50%
Indirect Auto %	33.5% -18.2% YoY-4.8% QoQ	+19.7%	13.8%	16.1%	7.7%	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 2508 peers in tier

Top Strengths (6 metrics)

139

Fee Income Per Member

profitability

Value: $194.70

Peer Median: $60.42

#139 of 2508 Top 5.5% in <100M tier

284

Loan-to-Member Ratio (LMR)

engagement

Value: $9,088

Peer Median: $4,923

#284 of 2508 Top 11.3% in <100M tier

378

Total Loans

balance_sheet

Value: $32.18M

Peer Median: $9.48M

#378 of 2508 Top 15.0% in <100M tier

384

Loan-to-Share Ratio

balance_sheet

Value: 82.76%

Peer Median: 58.72%

#384 of 2508 Top 15.3% in <100M tier

548

Average Member Relationship (AMR)

engagement

Value: $20,068

Peer Median: $13,926

#548 of 2508 Top 21.8% in <100M tier

621

Net Interest Margin (NIM)

profitability

Value: 4.45%

Peer Median: 3.83%

#621 of 2508 Top 24.7% in <100M tier

Top Weaknesses (3 metrics)

2426

Indirect Auto Concentration (%)

balance_sheet

Value: 33.53%

Peer Median: 0.00%

#2426 of 2508 Bottom 3.3% in <100M tier

2227

Net Charge-Off Rate

risk

Value: 1.24%

Peer Median: 0.07%

#2227 of 2508 Bottom 11.2% in <100M tier

1891

First Mortgage Concentration (%)

balance_sheet

Value: 26.19%

Peer Median: 3.66%

#1891 of 2508 Bottom 24.6% in <100M tier