BlastPoint's Credit Union Scorecard
WASHINGTON STATE EMPLOYEES
Charter #60042 · WA
WASHINGTON STATE EMPLOYEES has 1 strength but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.8% in tier
- - Shrinking Wallet Share: Bottom 82.8% in tier
- - Indirect Auto Dependency: Bottom 96.9% in tier
- - ROA 0.90% below tier average
- - Efficiency ratio 11.87% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 8.1% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
319,691
-0.1% YoY+0.8% QoQ
|
+11.9K |
307,793
+7.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
60% |
| Assets |
$5.1B
-1.8% YoY+0.4% QoQ
|
$-660.1M |
$5.8B
-0.2% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans |
$3.9B
-4.2% YoY-1.5% QoQ
|
$-218.1M |
$4.2B
+0.4% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$4.6B
+2.1% YoY+1.7% QoQ
|
$-320.6M |
$4.9B
+0.2% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
24% |
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| ROA |
-0.0%
-116.6% YoY-108.3% QoQ
|
-0.9% |
0.9%
+47.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 0.1% in tier |
| NIM |
4.1%
+6.0% YoY-0.3% QoQ
|
+0.9% |
3.2%
+9.8% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
78.5%
+6.8% YoY+8.3% QoQ
|
+11.9% |
66.6%
-11.0% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
0.7%
+79.3% YoY-4.3% QoQ
|
+0.0 |
0.7%
+23.3% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
60% |
| Loan To Share |
86.1%
-6.1% YoY-3.1% QoQ
|
+1.3% |
84.7%
-0.7% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
40% |
| AMR |
$26,625
-0.9% YoY-0.7% QoQ
|
$-6K |
$32,237
-7.3% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
28.1%
-1.0% YoY-0.3% QoQ
|
-0.5% | 28.6% | 22.5% | 19.8% | 46% |
| Indirect Auto % |
16.9%
-19.0% YoY-4.3% QoQ
|
+0.5% | 16.4% | 16.1% | 7.7% | 53% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
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)