BlastPoint's Credit Union Scorecard
O BEE
Charter #60059 · WA
O BEE has 7 strengths but faces 6 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 24.1% in tier
- + Wallet Share Momentum: Top 24.1% in tier
- + ROA 0.05% above tier average
- + Net Interest Margin 1.06% above tier average
- + Total Loans: Top 1.8% in tier
- + Loan-to-Share Ratio: Top 2.4% in tier
- + Fee Income Per Member: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.4% in tier
- - Credit Risk Growth: Bottom 20.8% in tier
- - Credit Quality Pressure: Bottom 27.1% in tier
- - Indirect Auto Dependency: Bottom 33.1% in tier
- - Delinquency rate 0.09% above tier average
- - Members Per Employee (MPE): Bottom 6.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
36,074
+2.5% YoY+1.3% QoQ
|
-2.0K |
38,079
-4.8% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
45% |
| Assets |
$667.1M
+6.1% YoY+2.4% QoQ
|
+$47.4M |
$619.7M
-0.2% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$598.6M
+9.1% YoY+3.1% QoQ
|
+$179.3M |
$419.3M
-1.4% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 2.4% in tier |
| Deposits |
$571.0M
+9.4% YoY+2.5% QoQ
|
+$31.5M |
$539.5M
-0.1% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
66% |
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| ROA |
0.7%
+173.4% YoY+17.9% QoQ
|
+0.1% |
0.7%
+36.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
60% |
| NIM |
4.5%
+13.2% YoY+2.7% QoQ
|
+1.1% |
3.5%
+4.5% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 4.8% in tier |
| Efficiency Ratio |
75.3%
-6.3% YoY-0.4% QoQ
|
-3.1% |
78.4%
-3.7% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
0.8%
+29.3% YoY+4.3% QoQ
|
+0.1 |
0.7%
-0.9% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
62% |
| Loan To Share |
104.8%
-0.3% YoY+0.5% QoQ
|
+27.2% |
77.7%
-1.2% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 3.0% in tier |
| AMR |
$32,423
+6.6% YoY+1.5% QoQ
|
+$5K |
$26,927
+3.1% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
82% |
| CD Concentration |
33.8%
-6.2% YoY-4.3% QoQ
|
+9.5% | 24.3% | 22.5% | 19.8% | 81% |
| Indirect Auto % |
23.0%
+6.6% YoY+5.9% QoQ
|
+9.2% | 13.8% | 16.1% | 7.7% | 75% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)