BlastPoint's Credit Union Scorecard
SOUND
Charter #66331 · WA
SOUND has 3 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 62.6% in tier
- + Net Interest Margin 0.10% above tier average
- + Strong member growth: 6.1% YoY
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.8% in tier
- - Credit Risk Growth: Bottom 16.6% in tier
- - Indirect Auto Dependency: Bottom 51.8% in tier
- - Liquidity Strain: Bottom 89.7% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 1.45% above tier (higher cost structure)
- - Delinquency rate 0.84% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177,657
+6.1% YoY+0.9% QoQ
|
-52.7K |
230,353
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$3.3B
+5.6% YoY+2.5% QoQ
|
$-602.2M |
$3.9B
+0.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
21% |
| Loans |
$2.6B
+5.7% YoY+0.2% QoQ
|
$-330.1M |
$2.9B
-0.2% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
26% |
| Deposits |
$2.9B
+10.5% YoY+2.6% QoQ
|
$-427.8M |
$3.3B
-0.3% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
26% |
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| ROA |
0.5%
+9.4% YoY+1.2% QoQ
|
-0.2% |
0.7%
+16.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
28% |
| NIM |
3.2%
+9.3% YoY-0.4% QoQ
|
+0.1% |
3.1%
+9.8% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
53% |
| Efficiency Ratio |
72.9%
-4.5% YoY-2.1% QoQ
|
+1.4% |
71.4%
-1.4% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
59% |
| Delinquency Rate |
1.7%
+130.3% YoY+19.9% QoQ
|
+0.8 |
0.9%
+5.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 10.5% in tier |
| Loan To Share |
90.4%
-4.4% YoY-2.4% QoQ
|
+1.4% |
88.9%
-0.2% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
47% |
| AMR |
$30,892
+1.9% YoY+0.6% QoQ
|
+$1K |
$29,682
+1.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
63% |
| CD Concentration |
31.9%
+3.6% YoY+1.7% QoQ
|
+2.8% | 29.0% | 22.5% | 19.8% | 65% |
| Indirect Auto % |
33.1%
+5.6% YoY-0.6% QoQ
|
+14.8% | 18.3% | 16.8% | 7.8% | 80% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)