BlastPoint's Credit Union Scorecard

SALAL

Charter #66349 · WA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 8 in WA

View Mid-Market leaderboard →

SALAL has 4 strengths but faces 8 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

+ Organic Growth Leader: Top 25.8% in tier
+ Organic Growth Engine: Top 25.8% in tier
+ Net Interest Margin 0.48% above tier average
+ Fee Income Per Member: Top 5.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.9% in tier
- Efficiency Drag: Bottom 22.7% in tier
- Liquidity Strain: Bottom 29.5% in tier
- Credit Risk Growth: Bottom 65.5% in tier
- Shrinking Wallet Share: Bottom 93.7% in tier
- Deposit Outflow: Bottom 94.2% in tier
- ROA 0.32% below tier average
- Efficiency ratio 6.59% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	62,925 +4.6% YoY+0.9% QoQ	-33.1K	96,048 -2.7% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	18%
Assets	$1.2B -1.5% YoY-0.4% QoQ	$-560.3M	$1.7B +0.4% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	18%
Loans	$949.7M +3.0% YoY+0.2% QoQ	$-264.0M	$1.2B +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	33%
Deposits	$1.0B -2.6% YoY+2.3% QoQ	$-440.3M	$1.5B +0.5% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	21%

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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	0.4% -664.5% YoY+100.5% QoQ	-0.3%	0.7% +27.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	23%
NIM	3.8% +16.6% YoY+8.2% QoQ	+0.5%	3.4% +6.2% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	81%
Efficiency Ratio	81.2% -9.0% YoY-3.2% QoQ	+6.6%	74.6% -3.0% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	76%
Delinquency Rate	0.7% +65.2% YoY-16.9% QoQ	-0.1	0.8% +6.9% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	57%
Loan To Share	92.6% +5.8% YoY-2.0% QoQ	+9.4%	83.2% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	74%
AMR	$31,386 -4.4% YoY+0.4% QoQ	+$2K	$29,652 +2.3% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	67%
CD Concentration	25.8% -15.7% YoY-2.4% QoQ	-3.0%	28.8%	22.5%	19.8%	39%
Indirect Auto %	0.3% -28.2% YoY-7.4% QoQ	-17.8%	18.1%	16.1%	7.7%	Top 14.9% in tier

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#43 of 116 • Top 25.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 4.62%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.29%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#81 of 115 • Top 25.8% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.62%

(Tier: 3.50%, National: 10.19%)

better than tier avg

Return on Assets: 0.40%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 0.29%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (6)

Credit Quality Pressure

risk

#49 of 225 • Bottom 12.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.27% 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

Shrinking Wallet Share

decline

#25 of 82 • Bottom 93.7% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -4.40%

(Tier: 3.34%, National: 6.36%)

worse than tier avg

82 of 384 Mid-Market CUs have this signature | 335 nationally

↓ Shrinking -18 CUs YoY

Credit Risk Growth

risk

#89 of 183 • Bottom 65.5% in tier

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

Why This Signature

Loan Growth (YoY): 3.01%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.27% 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

Deposit Outflow

decline

#18 of 23 • Bottom 94.2% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.60%

(Tier: 6.69%, National: 64.06%)

worse than tier avg

Member Growth (YoY): 4.62%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

23 of 384 Mid-Market CUs have this signature | 98 nationally

→ No prior data (23 CUs now) | New qualifier

Liquidity Strain

risk

#124 of 148 • Bottom 29.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.63%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 3.01%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Efficiency Drag

risk

#97 of 100 • Bottom 22.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.22%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.47% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 4.62%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (4 metrics)

Fee Income Per Member

profitability

Value: $352.53

Peer Median: $191.54

#17 of 306 Top 5.2% in 1B-3B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.29%

Peer Median: 13.86%

#51 of 306 Top 16.3% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.84%

Peer Median: 3.37%

#57 of 306 Top 18.3% in 1B-3B tier

Member Growth Rate

growth

Value: 4.62%

Peer Median: 2.03%

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (11 metrics)

286

Deposit Growth Rate

growth

Value: -2.60%

Peer Median: 4.44%

#286 of 306 Bottom 6.9% in 1B-3B tier

286

AMR Growth Rate

growth

Value: -4.40%

Peer Median: 3.15%

#286 of 306 Bottom 6.9% in 1B-3B tier

282

Asset Growth Rate

growth

Value: -1.45%

Peer Median: 4.82%

#282 of 306 Bottom 8.2% in 1B-3B tier

267

Net Worth Ratio

risk

Value: 9.02%

Peer Median: 10.85%

#267 of 306 Bottom 13.1% in 1B-3B tier

261

Net Charge-Off Rate

risk

Value: 0.98%

Peer Median: 0.51%

#261 of 306 Bottom 15.0% in 1B-3B tier

255

Members Per Employee (MPE)

engagement

Value: 280.915

Peer Median: 345.077

#255 of 306 Bottom 17.0% in 1B-3B tier

252

Total Assets

balance_sheet

Value: $1.16B

Peer Median: $1.51B

#252 of 306 Bottom 18.0% in 1B-3B tier

252

Total Members

engagement

Value: 62,925

Peer Median: 85,918

#252 of 306 Bottom 18.0% in 1B-3B tier

241

Total Deposits

balance_sheet

Value: $1.03B

Peer Median: $1.31B

#241 of 306 Bottom 21.6% in 1B-3B tier

236

Return on Assets (ROA)

profitability

Value: 0.40%

Peer Median: 0.66%

#236 of 306 Bottom 23.2% in 1B-3B tier