BlastPoint's Credit Union Scorecard
PUD
Charter #4509 · WA
PUD has 3 strengths but faces 4 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
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Efficiency ratio 2.22% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 7.9% in tier
- - Asset Growth Rate: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
737
-2.0% YoY-1.3% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
21% |
| Assets |
$9.5M
-7.8% YoY-3.3% QoQ
|
$-20.3M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
31% |
| Loans |
$5.3M
-10.5% YoY+1.2% QoQ
|
$-10.5M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
36% |
| Deposits |
$8.0M
-9.4% YoY-4.2% QoQ
|
$-17.4M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
32% |
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| ROA |
0.6%
-6.9% YoY+9.4% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
3.6%
+7.4% YoY+4.1% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
37% |
| Efficiency Ratio |
83.6%
+5.0% YoY-0.4% QoQ
|
+2.2% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
66.0%
-1.1% YoY+5.6% QoQ
|
+4.8% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
56% |
| AMR |
$18,131
-8.0% YoY-0.8% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
72% |
| CD Concentration |
34.6%
-7.6% YoY-0.0% QoQ
|
+10.2% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)