BlastPoint's Credit Union Scorecard
SOUND
Charter #66331 · WA
SOUND has 3 strengths but faces 3 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
- + Net Interest Margin 0.15% above tier average
- + Strong member growth: 6.1% YoY
- + First Mortgage Concentration (%): Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31.2% in tier
- - Indirect Auto Dependency: Bottom 40.1% in tier
- - Delinquency rate 0.35% above tier average
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Washington.
- Shares and deposits +6.1% year over year ($2.93B in shares and deposits).
- Membership: 184,758 members, +6.1% vs a year ago.
- Delinquency rate 1.18%.
- Return on assets 0.94%.
- Efficiency ratio 67.09% vs a 69.45% peer average.
- Loan-to-share ratio 93.71% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
184,758
+6.1% YoY+2.1% QoQ
|
-31.8K |
216,545
-9.5% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
36% |
| Assets |
$3.4B
+6.2% YoY-1.3% QoQ
|
$-498.9M |
$3.9B
-1.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$2.7B
+6.2% YoY+3.9% QoQ
|
$-186.8M |
$2.9B
-1.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
36% |
| Deposits |
$2.9B
+6.1% YoY-1.8% QoQ
|
$-328.6M |
$3.3B
-2.6% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
32% |
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| ROA |
0.9%
+81.7% YoY+13.2% QoQ
|
+0.0% |
0.9%
+25.3% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
3.4%
+4.0% YoY+7.2% QoQ
|
+0.2% |
3.2%
+3.8% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
61% |
| Efficiency Ratio |
67.1%
-10.5% YoY-1.4% QoQ
|
-2.4% |
69.5%
-2.3% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
43% |
| Delinquency Rate |
1.2%
-1.1% YoY-27.7% QoQ
|
+0.3 |
0.8%
+5.5% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
93.7%
+0.1% YoY+5.9% QoQ
|
+3.5% |
90.2%
+0.9% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$30,705
+0.1% YoY-1.2% QoQ
|
$-314 |
$31,018
+6.9% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
32.0%
+2.7% YoY-2.7% QoQ
|
+2.9% | 29.1% | 22.7% | 20.0% | 65% |
| Indirect Auto % |
34.8%
+4.7% YoY+2.5% QoQ
|
+16.7% | 18.1% | 16.0% | 7.7% | 84% |
Signature Analysis
Strengths (0)
Concerns (2)
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)