BlastPoint's Credit Union Scorecard
BOEING EMPLOYEES
Charter #62604 · WA
BOEING EMPLOYEES has 7 strengths but faces 5 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
- + Credit Quality Leader: Top 20.0% in tier
- + Organic Growth Engine: Top 24.1% in tier
- + Organic Growth Leader: Top 25.7% in tier
- + Net Interest Margin 0.66% above tier average
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 4.8% in tier
- + Net Worth Ratio: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 25.5% in tier
- - Credit Risk Growth: Bottom 31.7% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 13.25% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,541,705
+2.8% YoY-0.1% QoQ
|
-280.7K |
1,822,416
+4.1% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$28.9B
-2.7% YoY-0.1% QoQ
|
+$181.3M |
$28.7B
+4.2% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$20.2B
+3.3% YoY+1.1% QoQ
|
$-878.7M |
$21.1B
+5.8% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$25.5B
+2.8% YoY+0.1% QoQ
|
+$1.0B |
$24.4B
+7.2% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
0.6%
-29.6% YoY-16.3% QoQ
|
-0.2% |
0.8%
+17.7% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.8%
+7.8% YoY+3.1% QoQ
|
+0.7% |
3.1%
+10.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
81% |
| Efficiency Ratio |
77.5%
+8.6% YoY-1.1% QoQ
|
+13.2% |
64.3%
-4.3% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 14.3% in tier |
| Delinquency Rate |
0.4%
+6.2% YoY-3.7% QoQ
|
-0.8 |
1.2%
+9.7% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 4.8% in tier |
| Loan To Share |
79.4%
+0.5% YoY+1.1% QoQ
|
-10.4% |
89.8%
-0.3% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 14.3% in tier |
| AMR |
$29,622
+0.2% YoY+0.6% QoQ
|
$-2K |
$31,184
+7.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
48% |
| CD Concentration |
12.7%
-9.4% YoY-6.0% QoQ
|
-19.2% |
31.9%
+2.0% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
Bottom 0.0% in tier |
| Indirect Auto % |
11.1%
-18.9% YoY-5.6% QoQ
|
-3.2% |
14.2%
-8.9% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
48% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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.
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)