BlastPoint's Credit Union Scorecard
WAVE
Charter #24501 · RI
WAVE faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.8% in tier
- - Efficiency Drag: Bottom 19.4% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 6.95% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Fee Income Per Member: Bottom 7.0% in tier
- - Total Members: Bottom 9.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,849
-0.5% YoY-0.5% QoQ
|
-8.6K |
15,437
-2.9% YoY
|
35,881
+9.1% YoY
|
33,374
+5.7% YoY
|
Bottom 9.6% in tier |
| Assets |
$149.2M
+0.9% YoY+1.1% QoQ
|
$-82.7M |
$231.9M
+1.3% YoY
|
$774.2M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$78.2M
-2.4% YoY-1.5% QoQ
|
$-69.1M |
$147.3M
-0.1% YoY
|
$651.4M
+11.4% YoY
|
$397.0M
+8.8% YoY
|
21% |
| Deposits |
$129.7M
+0.5% YoY+1.3% QoQ
|
$-71.2M |
$200.8M
+0.8% YoY
|
$643.2M
+11.9% YoY
|
$477.3M
+9.7% YoY
|
30% |
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| ROA |
0.5%
+23.8% YoY-3.0% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.5%
-9.1% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
3.2%
+6.7% YoY+0.7% QoQ
|
-0.4% |
3.6%
+6.7% YoY
|
3.0%
+1.1% YoY
|
3.8%
+5.1% YoY
|
26% |
| Efficiency Ratio |
84.0%
-1.1% YoY+0.2% QoQ
|
+7.0% |
77.0%
-3.1% YoY
|
84.1%
+1.5% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
1.0%
+222.7% YoY+161.8% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.5%
-30.0% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
60.3%
-2.8% YoY-2.8% QoQ
|
-11.9% |
72.2%
-1.1% YoY
|
78.0%
+0.8% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$30,354
-0.2% YoY+0.8% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$26,466
+8.1% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
28.3%
+2.2% YoY+2.3% QoQ
|
+3.8% | 24.4% | 27.7% | 19.8% | 50% |
| Indirect Auto % |
3.4%
-19.0% YoY-5.6% QoQ
|
-10.4% | 13.8% | 10.6% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)