BlastPoint's Credit Union Scorecard
WASHINGTON STATE EMPLOYEES
Charter #60042 · WA
WASHINGTON STATE EMPLOYEES has 1 strength but faces 12 concerns
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How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.03% above tier average
Key Concerns
Areas that may need attention
- - Accelerating Exit Risk: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 41.7% in tier
- - Stagnation Risk: Bottom 75.0% in tier
- - Shrinking Wallet Share: Bottom 91.7% in tier
- - Indirect Auto Dependency: Bottom 94.1% in tier
- - Institutional Decline: Bottom 100.0% in tier
- - Membership Headwinds: Bottom 100.0% in tier
- - ROA 0.37% below tier average
- - Efficiency ratio 5.14% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 8.6% in tier
- - Loan Growth Rate: Bottom 8.6% in tier
- - Net Charge-Off Rate: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
317,039
-0.8% YoY-0.9% QoQ
|
+24.7K |
292,342
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
60% |
| Assets |
$5.1B
-1.5% YoY-0.0% QoQ
|
$-658.1M |
$5.7B
-0.2% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.6% in tier |
| Loans |
$4.0B
-4.9% YoY-1.1% QoQ
|
$-167.9M |
$4.2B
-1.6% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$4.5B
+2.1% YoY+1.1% QoQ
|
$-348.0M |
$4.8B
+0.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.5%
+423.8% YoY-11.5% QoQ
|
-0.4% |
0.8%
+27.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
4.1%
+14.5% YoY+1.2% QoQ
|
+1.0% |
3.0%
+8.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 14.3% in tier |
| Efficiency Ratio |
72.4%
+1.8% YoY+0.8% QoQ
|
+5.1% |
67.3%
-3.7% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
74% |
| Delinquency Rate |
0.7%
+15.0% YoY+25.2% QoQ
|
-0.1 |
0.8%
+17.5% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
54% |
| Loan To Share |
88.8%
-6.8% YoY-2.2% QoQ
|
+2.9% |
85.9%
-2.6% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
40% |
| AMR |
$26,800
-0.6% YoY+1.0% QoQ
|
$-7K |
$34,289
+3.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
28.2%
-4.3% YoY-0.2% QoQ
|
-1.0% | 29.1% | 22.5% | 19.8% | 45% |
| Indirect Auto % |
17.7%
-19.5% YoY-5.6% QoQ
|
+0.6% | 17.1% | 16.8% | 7.8% | 54% |
Signature Analysis
Strengths (0)
Concerns (7)
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)