BlastPoint's Credit Union Scorecard
PUD
Charter #4509 · WA
PUD has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.34% below tier average
- - Efficiency ratio 8.38% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
738
-1.7% YoY+0.1% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
21% |
| Assets |
$9.6M
-6.1% YoY+0.7% QoQ
|
$-20.5M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
31% |
| Loans |
$5.3M
-6.6% YoY-0.9% QoQ
|
$-10.5M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
36% |
| Deposits |
$8.1M
-7.5% YoY+1.1% QoQ
|
$-17.6M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
32% |
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| ROA |
0.3%
+6.1% YoY-50.2% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
29% |
| NIM |
3.3%
+12.5% YoY-7.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
90.9%
+2.8% YoY+8.8% QoQ
|
+8.4% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
77% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
64.7%
+0.9% YoY-2.0% QoQ
|
+4.1% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
56% |
| AMR |
$18,158
-5.5% YoY+0.1% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration |
32.7%
-20.5% YoY-5.6% QoQ
|
+8.2% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)