BlastPoint's Credit Union Scorecard
WASHINGTON STATE EMPLOYEES
Charter #60042 · WA
WASHINGTON STATE EMPLOYEES has 1 strength but faces 8 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 0.94% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.5% in tier
- - Shrinking Wallet Share: Bottom 89.1% in tier
- - Indirect Auto Dependency: Bottom 98.4% in tier
- - ROA 0.68% below tier average
- - Efficiency ratio 10.11% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 7.7% in tier
- - Loan Growth Rate: Bottom 7.7% in tier
- - Net Charge-Off Rate: Bottom 7.7% in tier
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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Washington.
- Shares and deposits +2.6% year over year ($4.54B in shares and deposits).
- Membership: 323,382 members, +1.0% vs a year ago.
- Delinquency rate 0.80%.
- Return on assets 0.25%.
- Efficiency ratio 75.29% vs a 65.18% peer average.
- Loan-to-share ratio 86.18% vs a 85.64% 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 |
323,382
+1.0% YoY+1.2% QoQ
|
+12.5K |
310,918
+6.0% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
59% |
| Assets |
$5.1B
-0.6% YoY-0.4% QoQ
|
$-701.1M |
$5.8B
-1.1% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Bottom 12.8% in tier |
| Loans |
$3.9B
-3.5% YoY-0.5% QoQ
|
$-283.4M |
$4.2B
-0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$4.5B
+2.6% YoY-0.7% QoQ
|
$-350.0M |
$4.9B
-1.3% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
26% |
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| ROA |
0.2%
-43.6% YoY
|
-0.7% |
0.9%
+35.3% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
4.1%
+5.9% YoY+2.0% QoQ
|
+0.9% |
3.2%
+9.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 12.8% in tier |
| Efficiency Ratio |
75.3%
+5.2% YoY-4.0% QoQ
|
+10.1% |
65.2%
-9.0% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
82% |
| Delinquency Rate |
0.8%
+53.5% YoY+15.0% QoQ
|
+0.0 |
0.8%
+23.8% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
86.2%
-6.0% YoY+0.2% QoQ
|
+0.5% |
85.6%
-0.2% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
36% |
| AMR |
$26,166
-1.3% YoY-1.7% QoQ
|
$-6K |
$32,010
-7.3% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
28.8%
+0.6% YoY+2.5% QoQ
|
+0.5% | 28.3% | 22.7% | 20.0% | 48% |
| Indirect Auto % |
16.5%
-16.9% YoY-2.5% QoQ
|
-0.3% | 16.8% | 16.0% | 7.7% | 47% |
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)