BlastPoint's Credit Union Scorecard

SOUND

Charter #66331 · WA

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 6 in WA

View Mid-Market leaderboard →

SOUND has 3 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.10% above tier average
+ Strong member growth: 5.9% YoY
+ Fee Income Per Member: Top 6.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 4.5% in tier
- Indirect Auto Dependency: Bottom 21.3% in tier
- Credit Risk Growth: Bottom 56.1% in tier
- Delinquency rate 0.89% above tier average
- Total Delinquency Rate (60+ days): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	181,030 +5.9% YoY+1.9% QoQ	-39.4K	220,435 -7.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	33%
Assets	$3.4B +9.2% YoY+3.3% QoQ	$-466.8M	$3.9B -1.5% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	28%
Loans	$2.6B +4.8% YoY+1.4% QoQ	$-252.4M	$2.9B -1.1% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	31%
Deposits	$3.0B +9.6% YoY+3.5% QoQ	$-314.6M	$3.3B -2.5% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	33%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +91.2% YoY+60.9% QoQ	+0.1%	0.7% +10.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	54%
NIM	3.2% -0.1% YoY-2.3% QoQ	+0.0%	3.2% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	46%
Efficiency Ratio	68.0% -11.7% YoY-6.6% QoQ	-3.3%	71.3% -2.6% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	47%
Delinquency Rate	1.6% +60.5% YoY-5.1% QoQ	+0.9	0.7% +9.2% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Bottom 7.7% in tier
Loan To Share	88.5% -4.4% YoY-2.0% QoQ	+0.5%	88.0% +0.9% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	42%
AMR	$31,067 +1.3% YoY+0.6% QoQ	+$395	$30,672 +5.5% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	62%
CD Concentration	32.9% +8.3% YoY+3.2% QoQ	+4.0%	28.8%	22.5%	19.8%	68%
Indirect Auto %	33.9% +4.5% YoY+2.6% QoQ	+15.9%	18.1%	16.1%	7.7%	82%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Credit Quality Pressure

risk

#17 of 225 • Bottom 4.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.61% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY

Credit Risk Growth

risk

#53 of 183 • Bottom 56.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.75%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.61% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Indirect Auto Dependency

risk

#62 of 198 • Bottom 21.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 9.16%

(Tier: 6.82%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 33.94%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.88%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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)

Compare against:

Comparing against 78 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $280.62

Peer Median: $175.66

#6 of 78 Top 6.4% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.80%

Peer Median: 32.80%

#9 of 78 Top 10.3% in 3B-5B tier

Member Growth Rate

growth

Value: 5.88%

Peer Median: 3.36%

#16 of 78 Top 19.2% in 3B-5B tier

Deposit Growth Rate

growth

Value: 9.59%

Peer Median: 5.31%

#18 of 78 Top 21.8% in 3B-5B tier

Top Weaknesses (2 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 1.63%

Peer Median: 0.54%

#73 of 78 Bottom 7.7% in 3B-5B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 33.94%

Peer Median: 18.10%

#63 of 78 Bottom 20.5% in 3B-5B tier