BlastPoint's Credit Union Scorecard
SPOKANE MEDIA
Charter #24451 · WA
SPOKANE MEDIA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.53% below tier average
- - Efficiency ratio 4.27% above tier (higher cost structure)
- - Member decline: -4.2% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,165
-4.2% YoY+4.3% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
32% |
| Assets |
$16.6M
-3.1% YoY-3.8% QoQ
|
$-13.5M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
44% |
| Loans |
$11.2M
-2.9% YoY-3.7% QoQ
|
$-4.5M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$14.9M
-3.8% YoY-4.1% QoQ
|
$-10.8M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.1%
-88.4% YoY-44.7% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
4.4%
+1.8% YoY+1.1% QoQ
|
+0.4% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
86.8%
+5.7% YoY-0.2% QoQ
|
+4.3% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.2%
-9.9% YoY+894.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
27% |
| Loan To Share |
75.6%
+0.9% YoY+0.4% QoQ
|
+14.9% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$22,426
+0.8% YoY-7.9% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 13.4% in tier |
| CD Concentration |
14.5%
-7.2% YoY-9.2% QoQ
|
-9.9% | 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)