BlastPoint's Credit Union Scorecard
WAVE
Charter #24501 · RI
WAVE faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 2.8% in tier
- - ROA 0.28% below tier average
- - Efficiency ratio 6.55% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 7.3% in tier
- - Total Members: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,886
+0.0% YoY-0.2% QoQ
|
-8.7K |
15,628
-3.4% YoY
|
35,904
+9.4% YoY
|
33,089
+6.1% YoY
|
Bottom 9.7% in tier |
| Assets |
$147.6M
+1.1% YoY-0.0% QoQ
|
$-83.7M |
$231.3M
-0.0% YoY
|
$771.6M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
30% |
| Loans |
$79.4M
-1.8% YoY-0.1% QoQ
|
$-68.4M |
$147.8M
-1.4% YoY
|
$651.4M
+12.0% YoY
|
$388.7M
+8.6% YoY
|
22% |
| Deposits |
$128.0M
+1.0% YoY-0.3% QoQ
|
$-72.3M |
$200.3M
-0.0% YoY
|
$641.8M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
29% |
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| ROA |
0.5%
+2.2% YoY+8.7% QoQ
|
-0.3% |
0.8%
+15.5% YoY
|
0.5%
-21.3% YoY
|
0.7%
+273.4% YoY
|
33% |
| NIM |
3.2%
+4.5% YoY+3.0% QoQ
|
-0.4% |
3.6%
+6.9% YoY
|
2.9%
+1.1% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
83.8%
-0.1% YoY-1.8% QoQ
|
+6.6% |
77.3%
-3.0% YoY
|
83.0%
+4.4% YoY
|
79.1%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.4%
-23.8% YoY-59.7% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
0.5%
-36.2% YoY
|
1.2%
-0.9% YoY
|
26% |
| Loan To Share |
62.1%
-2.8% YoY+0.2% QoQ
|
-10.6% |
72.7%
-1.5% YoY
|
78.6%
+0.3% YoY
|
68.0%
-1.7% YoY
|
25% |
| AMR |
$30,127
-0.2% YoY+0.0% QoQ
|
+$6K |
$24,363
+2.9% YoY
|
$26,126
+7.2% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
27.6%
+3.7% YoY+2.2% QoQ
|
+3.2% |
24.4%
+4.2% YoY
|
27.4%
+6.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
3.6%
-20.0% YoY-6.8% QoQ
|
-10.4% |
14.0%
-5.7% YoY
|
10.6%
+7.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)