BlastPoint's Credit Union Scorecard
WAVE
Charter #24501 · RI
WAVE has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.13% below tier average
- - Efficiency ratio 5.04% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (RI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,872
-0.3% YoY+0.3% QoQ
|
-8.3K |
15,145
-2.5% YoY
|
36,204
+9.0% YoY
|
33,913
+5.7% YoY
|
Bottom 10.5% in tier |
| Assets |
$155.0M
+2.9% YoY+3.9% QoQ
|
$-76.7M |
$231.7M
+0.8% YoY
|
$787.6M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
33% |
| Loans |
$77.3M
-3.0% YoY-1.3% QoQ
|
$-66.9M |
$144.1M
+0.2% YoY
|
$657.2M
+10.2% YoY
|
$402.4M
+8.7% YoY
|
22% |
| Deposits |
$135.1M
+2.7% YoY+4.2% QoQ
|
$-66.0M |
$201.1M
+0.4% YoY
|
$658.7M
+12.2% YoY
|
$494.3M
+9.1% YoY
|
33% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.6%
+54.9% YoY+20.2% QoQ
|
-0.1% |
0.7%
+5.1% YoY
|
0.4%
+126.0% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
3.1%
+5.1% YoY-2.5% QoQ
|
-0.5% |
3.6%
+4.6% YoY
|
3.0%
+2.3% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
83.1%
-6.1% YoY-1.1% QoQ
|
+5.0% |
78.0%
-1.7% YoY
|
87.4%
-0.7% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.3%
+33.4% YoY-71.3% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
0.4%
-7.6% YoY
|
1.2%
+3.4% YoY
|
22% |
| Loan To Share |
57.2%
-5.5% YoY-5.2% QoQ
|
-13.2% |
70.4%
-0.4% YoY
|
77.1%
+1.0% YoY
|
65.6%
-1.4% YoY
|
22% |
| AMR |
$30,900
+0.9% YoY+1.8% QoQ
|
+$6K |
$24,918
+2.7% YoY
|
$26,738
+8.0% YoY
|
$19,920
+1.6% YoY
|
83% |
| CD Concentration |
29.5%
+9.9% YoY+4.3% QoQ
|
+5.2% | 24.3% | 27.4% | 19.8% | 50% |
| Indirect Auto % |
3.2%
-21.2% YoY-6.4% QoQ
|
-10.6% | 13.8% | 10.6% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)