BlastPoint's Credit Union Scorecard
SPOKANE MEDIA
Charter #24451 · WA
SPOKANE MEDIA has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.41% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.34% below tier average
- - Efficiency ratio 6.57% above tier (higher cost structure)
- - Delinquency rate 1.38% above tier average
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 -1.3% year over year ($14.9M in shares and deposits).
- Membership: 1,180 members, +0.7% vs a year ago.
- Delinquency rate 2.93%.
- Return on assets 0.15%.
- Efficiency ratio 95.34% vs a 88.77% peer average.
- Loan-to-share ratio 66.68% 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 |
1,180
+0.7% YoY+0.9% QoQ
|
-1.4K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
33% |
| Assets |
$16.6M
-0.9% YoY-6.6% QoQ
|
$-13.7M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
43% |
| Loans |
$9.9M
-13.8% YoY-5.3% QoQ
|
$-5.5M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$14.9M
-1.3% YoY-7.2% QoQ
|
$-10.9M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
45% |
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| ROA |
0.2%
-255.3% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.6% in tier |
| NIM |
4.3%
+1.7% YoY+3.9% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
95.3%
+6.7% YoY+1.3% QoQ
|
+6.6% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
81% |
| Delinquency Rate |
2.9%
+667.8% YoY+1489.4% QoQ
|
+1.4 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Bottom 13.4% in tier |
| Loan To Share |
66.7%
-12.7% YoY+2.1% QoQ
|
+7.8% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$20,999
-7.3% YoY-7.3% QoQ
|
+$6K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
81% |
| CD Concentration |
16.0%
-8.0% YoY+7.4% QoQ
|
-8.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)