BlastPoint's Credit Union Scorecard
WAVE
Charter #24501 · RI
WAVE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 50.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.39% below tier average
- - Efficiency ratio 9.12% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Fee Income Per Member: Bottom 9.6% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 3 that size in Rhode Island.
- Shares and deposits +6.5% year over year ($137M in shares and deposits).
- Membership: 6,884 members, -0.3% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 0.47%.
- Efficiency ratio 85.86% vs a 76.73% peer average.
- Loan-to-share ratio 58.42% vs a 71.54% 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 (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,884
-0.3% YoY+0.2% QoQ
|
-8.3K |
15,168
-2.6% YoY
|
36,207
+1.5% YoY
|
34,678
+6.6% YoY
|
Bottom 10.9% in tier |
| Assets |
$156.8M
+6.2% YoY+1.2% QoQ
|
$-75.2M |
$232.0M
+0.7% YoY
|
$799.8M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
34% |
| Loans |
$79.9M
+0.4% YoY+3.4% QoQ
|
$-66.4M |
$146.3M
+0.2% YoY
|
$674.3M
+4.7% YoY
|
$418.6M
+10.1% YoY
|
24% |
| Deposits |
$136.8M
+6.5% YoY+1.3% QoQ
|
$-63.9M |
$200.7M
+0.2% YoY
|
$660.1M
+3.9% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
0.5%
+0.8% YoY-20.5% QoQ
|
-0.4% |
0.9%
+12.5% YoY
|
0.6%
+34.2% YoY
|
1.2%
+121.4% YoY
|
26% |
| NIM |
3.1%
+0.8% YoY-0.4% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.1%
+8.2% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
85.9%
+0.5% YoY+3.4% QoQ
|
+9.1% |
76.7%
-0.8% YoY
|
83.1%
-1.8% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
0.9%
-3.3% YoY+219.2% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
0.6%
-10.1% YoY
|
1.3%
+2.6% YoY
|
66% |
| Loan To Share |
58.4%
-5.7% YoY+2.2% QoQ
|
-13.1% |
71.5%
-0.3% YoY
|
77.6%
-0.3% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$31,479
+4.5% YoY+1.9% QoQ
|
+$6K |
$25,107
+3.2% YoY
|
$27,022
+3.9% YoY
|
$20,028
-0.9% YoY
|
84% |
| CD Concentration |
28.2%
+4.4% YoY-4.3% QoQ
|
+3.7% | 24.6% | 27.0% | 20.0% | 50% |
| Indirect Auto % |
2.8%
-28.7% YoY-13.4% QoQ
|
-10.9% | 13.6% | 10.6% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)