BlastPoint's Credit Union Scorecard
PUD
Charter #4509 · WA
PUD has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.18% below tier average
- - Efficiency ratio 2.84% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -5.4% year over year ($7.9M in shares and deposits).
- Membership: 752 members, +0.7% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 0.31%.
- Efficiency ratio 91.60% vs a 88.77% peer average.
- Loan-to-share ratio 68.38% vs a 58.89% 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 |
752
+0.7% YoY+0.3% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$9.4M
-4.5% YoY-2.2% QoQ
|
$-20.9M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$5.4M
+3.5% YoY+3.2% QoQ
|
$-10.0M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$7.9M
-5.4% YoY-2.5% QoQ
|
$-17.9M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
31% |
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 |
0.3%
-40.5% YoY-34.9% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
18% |
| NIM |
3.6%
+6.3% YoY+0.7% QoQ
|
-0.3% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
40% |
| Efficiency Ratio |
91.6%
+9.1% YoY+5.2% QoQ
|
+2.8% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
68.4%
+9.4% YoY+5.9% QoQ
|
+9.5% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
64% |
| AMR |
$17,790
-2.6% YoY-0.6% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
35.0%
+1.3% YoY+12.5% QoQ
|
+10.5% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 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)