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BlastPoint's Credit Union Scorecard

GREAT NORTHWEST

Charter #24606 · WA

100M-500M
1024 CUs in 100M-500M nationally 15 in WA

GREAT NORTHWEST has 8 strengths but faces 5 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

  • + ROA 0.49% above tier average
  • + Net Interest Margin 1.40% above tier average
  • + Strong member growth: 39.1% YoY
  • + Asset Growth Rate: Top 0.2% in tier
  • + Deposit Growth Rate: Top 0.2% in tier
  • + Member Growth Rate: Top 0.5% in tier
  • + Loan Growth Rate: Top 1.6% in tier
  • + Net Worth Ratio: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 50.0% in tier
  • - Cost Spiral: Bottom 50.0% in tier
  • - Indirect Auto Dependency: Bottom 50.0% in tier
  • - Liquidity Overhang: Bottom 50.0% in tier
  • - Net Charge-Off Rate: Bottom 1.2% 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 15 that size in Washington.
  • Shares and deposits +50.0% year over year ($307M in shares and deposits).
  • Membership: 25,916 members, +39.1% vs a year ago.
  • Delinquency rate 0.75%.
  • Return on assets 1.36%.
  • Efficiency ratio 70.03% vs a 76.73% peer average.
  • Loan-to-share ratio 54.95% 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 (WA) National Avg Tier Percentile
Members 25,916
+39.1% YoY+38.6% QoQ
 +10.7K 15,168
-2.6% YoY
 69,472
+6.3% YoY
 34,678
+6.6% YoY
 Top 10.5% in tier
Assets $374.8M
+48.9% YoY+40.3% QoQ
 +$142.8M $232.0M
+0.7% YoY
 $1.3B
+8.7% YoY
 $593.1M
+10.2% YoY
 Top 14.4% in tier
Loans $168.9M
+25.3% YoY+30.3% QoQ
 +$22.6M $146.3M
+0.2% YoY
 $968.5M
+8.7% YoY
 $418.6M
+10.1% YoY
 67%
Deposits $307.3M
+50.0% YoY+41.5% QoQ
 +$106.6M $200.7M
+0.2% YoY
 $1.1B
+8.8% YoY
 $504.8M
+10.3% YoY
 83%

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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 1.4%
-36.9% YoY+53.0% QoQ
 +0.5% 0.9%
+12.5% YoY
 0.7%
+22.8% YoY
 1.2%
+121.4% YoY
 82%
NIM 5.1%
+6.5% YoY+11.4% QoQ
 +1.4% 3.7%
+4.5% YoY
 3.8%
+3.6% YoY
 3.8%
+2.3% YoY
 Top 2.5% in tier
Efficiency Ratio 70.0%
+12.8% YoY-1.9% QoQ
 -6.7% 76.7%
-0.8% YoY
 77.5%
+0.3% YoY
 83.0%
-5.3% YoY
 26%
Delinquency Rate 0.7%
-79.4% YoY+4.6% QoQ
 -0.1 0.9%
+6.6% YoY
 0.9%
-3.0% YoY
 1.3%
+2.6% YoY
 53%
Loan To Share 54.9%
-16.4% YoY-7.9% QoQ
 -16.6% 71.5%
-0.3% YoY
 76.2%
-1.2% YoY
 66.4%
-1.4% YoY
 17%
AMR $18,375
+0.8% YoY-0.9% QoQ
 $-7K $25,107
+3.2% YoY
 $29,351
+3.2% YoY
 $20,028
-0.9% YoY
 22%
CD Concentration 18.2%
-7.9% YoY-5.0% QoQ
 -6.3% 24.6% 22.7% 20.0% 50%
Indirect Auto % 27.4%
-28.5% YoY-26.2% QoQ
 +13.8% 13.6% 16.0% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Margin Compression

decline
#6 of 140 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.36%
(Tier: 0.85%, National: 1.23%)
but better than tier avg
ROA (Prior Year): 2.15%
(Tier: 0.75%, National: 0.66%)
but better than tier avg
ROA Change (YoY): -0.79% points
(Tier: 0.10% points, National: 0.47% points)
worse than tier avg
140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally
→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Cost Spiral

risk
#28 of 95 • Bottom 50.0% in tier

Historically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.

Why This Signature
Efficiency Ratio Change: 7.92% points
(Tier: -0.48% points, National: -3.74% points)
worse than tier avg
Efficiency Ratio (Prior Year): 62.11%
(Tier: 77.10%, National: 86.72%)
but better than tier avg
95 of 1024 Mid-Small & Community CUs have this signature | 106 nationally
↑ Growing +30 CUs YoY | New qualifier

Indirect Auto Dependency

risk
#140 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature
Asset Growth (YoY): 48.86%
(Tier: 4.62%, National: 3.30%)
but better than tier avg
Indirect Auto %: 27.41%
(Tier: 13.63%, National: 7.71%)
worse than tier avg
Member Growth (YoY): 39.06%
(Tier: 0.46%, National: 15.67%)
but better than tier avg
476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally
↓ Shrinking -57 CUs YoY | Rank improving

Liquidity Overhang

risk
#61 of 130 • Bottom 50.0% in tier

Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 17.13%
(Tier: 12.53%, National: 14.66%)
but better than tier avg
Loan-to-Share Ratio: 54.95%
(Tier: 73.56%, National: 66.39%)
worse than tier avg
130 of 1024 Mid-Small & Community CUs have this signature | 148 nationally
↑ Growing +7 CUs YoY | Rank worsening

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)

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

3
Asset Growth Rate
growth
Value: 48.86%
Peer Median: 4.12%
#3 of 1024 Top 0.2% in 100M-500M tier
3
Deposit Growth Rate
growth
Value: 49.98%
Peer Median: 3.58%
#3 of 1024 Top 0.2% in 100M-500M tier
6
Member Growth Rate
growth
Value: 39.06%
Peer Median: -0.03%
#6 of 1024 Top 0.5% in 100M-500M tier
17
Loan Growth Rate
growth
Value: 25.34%
Peer Median: 3.02%
#17 of 1024 Top 1.6% in 100M-500M tier
26
Net Interest Margin (NIM)
profitability
Value: 5.08%
Peer Median: 3.67%
#26 of 1024 Top 2.4% in 100M-500M tier
85
Net Worth Ratio
risk
Value: 17.13%
Peer Median: 11.71%
#85 of 1024 Top 8.2% in 100M-500M tier
108
Total Members
engagement
Value: 25,916
Peer Median: 13,128
#108 of 1024 Top 10.4% in 100M-500M tier
147
Total Assets
balance_sheet
Value: $374.84M
Peer Median: $196.38M
#147 of 1024 Top 14.3% in 100M-500M tier
178
Total Deposits
balance_sheet
Value: $307.34M
Peer Median: $170.77M
#178 of 1024 Top 17.3% in 100M-500M tier
181
Return on Assets (ROA)
profitability
Value: 1.36%
Peer Median: 0.75%
#181 of 1024 Top 17.6% in 100M-500M tier

Top Weaknesses (5 metrics)

1013
Net Charge-Off Rate
risk
Value: 2.01%
Peer Median: 0.34%
#1013 of 1024 Bottom 1.2% in 100M-500M tier
850
Loan-to-Member Ratio (LMR)
engagement
Value: $6,516
Peer Median: $9,434
#850 of 1024 Bottom 17.1% in 100M-500M tier
849
Loan-to-Share Ratio
balance_sheet
Value: 54.95%
Peer Median: 73.07%
#849 of 1024 Bottom 17.2% in 100M-500M tier
840
Indirect Auto Concentration (%)
balance_sheet
Value: 27.41%
Peer Median: 6.15%
#840 of 1024 Bottom 18.1% in 100M-500M tier
800
Average Member Relationship (AMR)
engagement
Value: $18,375
Peer Median: $23,006
#800 of 1024 Bottom 22.0% in 100M-500M tier
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