BlastPoint's Credit Union Scorecard

SPOKANE MEDIA

Charter #24451 · WA

<100M

2508 CUs in <100M nationally 33 in WA

SPOKANE MEDIA has 1 strength 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 0.14% above tier average

Key Concerns

Areas that may need attention

- ROA 0.24% below tier average
- Efficiency ratio 3.50% above tier (higher cost structure)
- Member decline: -4.6% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	1,169 -4.6% YoY+0.3% QoQ	-1.5K	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	33%
Assets	$17.7M +0.5% YoY+6.8% QoQ	$-12.5M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	45%
Loans	$10.5M -8.4% YoY-7.0% QoQ	$-4.8M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	53%
Deposits	$16.0M +0.4% YoY+7.6% QoQ	$-9.8M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	47%

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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	-0.1% -89.9% YoY-207.9% QoQ	-0.2%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	19%
NIM	4.1% -1.4% YoY-5.4% QoQ	+0.1%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	64%
Efficiency Ratio	94.1% -15.0% YoY+8.4% QoQ	+3.5%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.2% -76.4% YoY-11.7% QoQ	-1.3	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	28%
Loan To Share	65.3% -8.7% YoY-13.6% QoQ	+6.8%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	60%
AMR	$22,653 +1.3% YoY+1.0% QoQ	+$8K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 13.4% in tier
CD Concentration	14.9% -6.1% YoY+2.7% QoQ	-9.4%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (5 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

295

Loan-to-Member Ratio (LMR)

engagement

Value: $8,950

Peer Median: $4,923

#295 of 2508 Top 11.7% in <100M tier

335

Average Member Relationship (AMR)

engagement

Value: $22,653

Peer Median: $13,926

#335 of 2508 Top 13.3% in <100M tier

395

Fee Income Per Member

profitability

Value: $135.06

Peer Median: $60.42

#395 of 2508 Top 15.7% in <100M tier

438

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.07%

#438 of 2508 Top 17.4% in <100M tier

Top Weaknesses (5 metrics)

2240

Net Worth Ratio

risk

Value: 9.09%

Peer Median: 14.28%

#2240 of 2508 Bottom 10.7% in <100M tier

2137

Members Per Employee (MPE)

engagement

Value: 194.833

Peer Median: 333.750

#2137 of 2508 Bottom 14.8% in <100M tier

2028

Member Growth Rate

growth

Value: -4.57%

Peer Median: -1.37%

#2028 of 2508 Bottom 19.2% in <100M tier

2027

Return on Assets (ROA)

profitability

Value: -0.10%

Peer Median: 0.61%

#2027 of 2508 Bottom 19.2% in <100M tier

1917

Efficiency Ratio

profitability

Value: 94.13%

Peer Median: 81.45%

#1917 of 2508 Bottom 23.6% in <100M tier