BlastPoint's Credit Union Scorecard
O BEE
Charter #60059 · WA
O BEE has 5 strengths 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
- + Organic Growth Engine: Top 22.8% in tier
- + Relationship Depth Leader: Top 52.3% in tier
- + Net Interest Margin 0.91% above tier average
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Total Loans: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 2.6% in tier
- - Credit Risk Growth: Bottom 18.9% in tier
- - Credit Quality Pressure: Bottom 23.0% in tier
- - Indirect Auto Dependency: Bottom 24.2% in tier
- - ROA 0.06% below tier average
- - Delinquency rate 0.08% above tier average
- - Members Per Employee (MPE): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
35,860
+3.4% YoY+0.9% QoQ
|
-3.9K |
39,752
-2.7% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
43% |
| Assets |
$649.1M
+5.2% YoY+1.9% QoQ
|
+$26.7M |
$622.4M
+0.3% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
61% |
| Loans |
$576.9M
+8.2% YoY+0.9% QoQ
|
+$141.0M |
$435.9M
-0.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 7.1% in tier |
| Deposits |
$555.2M
+8.5% YoY+4.7% QoQ
|
+$17.1M |
$538.0M
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
61% |
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 |
0.6%
+74.8% YoY+51.1% QoQ
|
-0.1% |
0.7%
+33.9% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
4.3%
+14.5% YoY+3.2% QoQ
|
+0.9% |
3.4%
+8.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 5.3% in tier |
| Efficiency Ratio |
75.6%
-14.4% YoY-3.3% QoQ
|
-2.5% |
78.1%
-3.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.9%
+7.1% YoY+69.0% QoQ
|
+0.1 |
0.8%
-4.9% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
68% |
| Loan To Share |
103.9%
-0.3% YoY-3.6% QoQ
|
+22.9% |
81.0%
-1.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Top 3.0% in tier |
| AMR |
$31,569
+4.8% YoY+1.8% QoQ
|
+$5K |
$26,482
+2.6% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
34.0%
-8.2% YoY-1.6% QoQ
|
+9.6% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
82% |
| Indirect Auto % |
21.6%
-1.4% YoY+5.0% QoQ
|
+7.7% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
73% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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 Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)