BlastPoint's Credit Union Scorecard

GREAT NORTHWEST

Charter #24606 · WA

100M-500M

1069 CUs in 100M-500M nationally 16 in WA

GREAT NORTHWEST has 4 strengths but faces 4 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 0.93% above tier average
+ Net Interest Margin 1.13% above tier average
+ Fee Income Per Member: Top 4.5% in tier
+ Net Worth Ratio: Top 6.3% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Liquidity Overhang: Bottom 50.0% in tier
- Net Charge-Off Rate: Bottom 2.7% in tier
- Indirect Auto Concentration (%): Bottom 9.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	18,692 +0.5% YoY-0.4% QoQ	+3.3K	15,437 -2.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	71%
Assets	$262.7M +8.2% YoY+0.8% QoQ	+$30.9M	$231.9M +1.3% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	67%
Loans	$129.5M -4.1% YoY-2.7% QoQ	$-17.8M	$147.3M -0.1% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	53%
Deposits	$214.1M +6.9% YoY+0.9% QoQ	+$13.3M	$200.8M +0.8% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	62%

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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	1.7% +6.8% YoY-14.8% QoQ	+0.9%	0.8% +18.2% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	Top 6.3% in tier
NIM	4.7% -1.7% YoY-1.5% QoQ	+1.1%	3.6% +6.7% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	Top 5.5% in tier
Efficiency Ratio	62.4% -3.7% YoY+0.1% QoQ	-14.6%	77.0% -3.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	Top 10.0% in tier
Delinquency Rate	0.9% -38.1% YoY-42.0% QoQ	+0.0	0.9% +4.2% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	60%
Loan To Share	60.5% -10.4% YoY-3.6% QoQ	-11.7%	72.2% -1.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	24%
AMR	$18,386 +1.9% YoY-0.1% QoQ	$-6K	$24,676 +3.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	23%
CD Concentration	19.9% +3.4% YoY-2.1% QoQ	-4.5%	24.4%	22.5%	19.8%	50%
Indirect Auto %	37.5% -4.7% YoY-1.0% QoQ	+23.7%	13.8%	16.8%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Indirect Auto Dependency

risk

#54 of 506 • 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): 8.19%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 37.52%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 0.52%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Liquidity Overhang

risk

#54 of 135 • 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: 17.49%

(Tier: 11.97%, National: 14.49%)

but better than tier avg

Loan-to-Share Ratio: 60.49%

(Tier: 74.08%, National: 67.44%)

worse than tier avg

135 of 1069 Mid-Small & Community CUs have this signature | 155 nationally

↑ Growing +17 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $311.58

Peer Median: -

#49 of 1069 Top 4.5% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.73%

Peer Median: -

#59 of 1069 Top 5.4% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.69%

Peer Median: -

#67 of 1069 Top 6.2% in 100M-500M tier

Net Worth Ratio

risk

Value: 17.49%

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

108

Efficiency Ratio

profitability

Value: 62.44%

Peer Median: -

#108 of 1069 Top 10.0% in 100M-500M tier

239

Asset Growth Rate

growth

Value: 8.19%

Peer Median: -

#239 of 1069 Top 22.3% in 100M-500M tier

Top Weaknesses (6 metrics)

1041

Net Charge-Off Rate

risk

Value: 1.73%

Peer Median: -

#1041 of 1069 Bottom 2.7% in 100M-500M tier

968

Indirect Auto Concentration (%)

balance_sheet

Value: 37.52%

Peer Median: -

#968 of 1069 Bottom 9.5% in 100M-500M tier

918

Loan Growth Rate

growth

Value: -4.15%

Peer Median: -

#918 of 1069 Bottom 14.2% in 100M-500M tier

836

Loan-to-Member Ratio (LMR)

engagement

Value: $6,930

Peer Median: -

#836 of 1069 Bottom 21.9% in 100M-500M tier

820

Average Member Relationship (AMR)

engagement

Value: $18,386

Peer Median: -

#820 of 1069 Bottom 23.4% in 100M-500M tier

807

Loan-to-Share Ratio

balance_sheet

Value: 60.49%

Peer Median: -

#807 of 1069 Bottom 24.6% in 100M-500M tier