BlastPoint's Credit Union Scorecard
O BEE
Charter #60059 · WA
O BEE has 4 strengths 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
- + Relationship Depth Leader: Top 51.7% in tier
- + Net Interest Margin 1.01% above tier average
- + Loan-to-Share Ratio: Top 1.8% in tier
- + Total Loans: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.8% in tier
- - Credit Quality Pressure: Bottom 12.8% in tier
- - Indirect Auto Dependency: Bottom 31.3% in tier
- - Credit Risk Growth: Bottom 37.9% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 1.23% above tier (higher cost structure)
- - Delinquency rate 0.15% above tier average
- - Members Per Employee (MPE): Bottom 4.8% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Washington.
- Shares and deposits +7.8% year over year ($572M in shares and deposits).
- Membership: 36,634 members, +3.1% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 0.61%.
- Efficiency ratio 77.79% vs a 76.56% peer average.
- Loan-to-share ratio 105.47% vs a 79.33% 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 |
36,634
+3.1% YoY+1.6% QoQ
|
-1.3K |
37,897
-5.0% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$676.6M
+6.2% YoY+1.4% QoQ
|
+$54.2M |
$622.4M
+0.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
72% |
| Loans |
$603.2M
+5.5% YoY+0.8% QoQ
|
+$174.7M |
$428.5M
-0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 4.2% in tier |
| Deposits |
$571.9M
+7.8% YoY+0.2% QoQ
|
+$32.2M |
$539.8M
+0.9% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
0.6%
+54.4% YoY-17.8% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
4.5%
+7.9% YoY+0.3% QoQ
|
+1.0% |
3.5%
+5.0% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 6.1% in tier |
| Efficiency Ratio |
77.8%
-0.5% YoY+3.3% QoQ
|
+1.2% |
76.6%
-3.6% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
53% |
| Delinquency Rate |
1.0%
+85.2% YoY+21.5% QoQ
|
+0.2 |
0.8%
+3.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
105.5%
-2.2% YoY+0.6% QoQ
|
+26.1% |
79.3%
-1.4% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 2.4% in tier |
| AMR |
$32,079
+3.5% YoY-1.1% QoQ
|
+$5K |
$27,294
+4.1% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
36.2%
+4.7% YoY+7.3% QoQ
|
+11.7% | 24.6% | 22.7% | 20.0% | Top 13.0% in tier |
| Indirect Auto % |
23.2%
+12.6% YoY+0.6% QoQ
|
+9.6% | 13.6% | 16.0% | 7.7% | 75% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)