BlastPoint's Credit Union Scorecard
SALAL
Charter #66349 · WA
SALAL has 4 strengths but faces 11 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 Leader: Top 41.8% in tier
- + Organic Growth Engine: Top 67.5% in tier
- + Net Interest Margin 0.27% above tier average
- + Fee Income Per Member: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 11.9% in tier
- - Shrinking Wallet Share: Bottom 21.8% in tier
- - Efficiency Drag: Bottom 46.1% in tier
- - Deposit Outflow: Bottom 55.6% in tier
- - Credit Risk Growth: Bottom 57.1% in tier
- - Liquidity Strain: Bottom 83.6% in tier
- - ROA 0.48% below tier average
- - Efficiency ratio 9.81% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 4.3% in tier
- - AMR Growth Rate: Bottom 5.6% in tier
- - Asset Growth Rate: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,355
+4.5% YoY+1.3% QoQ
|
-35.1K |
97,431
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
17% |
| Assets |
$1.2B
-1.1% YoY+1.5% QoQ
|
$-559.0M |
$1.7B
+0.9% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
17% |
| Loans |
$947.5M
+1.6% YoY+2.0% QoQ
|
$-286.9M |
$1.2B
+0.5% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
31% |
| Deposits |
$1.0B
-4.0% YoY-1.8% QoQ
|
$-457.0M |
$1.5B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
19% |
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| ROA |
0.2%
+56.8% YoY+177.3% QoQ
|
-0.5% |
0.7%
+20.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 10.6% in tier |
| NIM |
3.5%
+15.6% YoY+2.5% QoQ
|
+0.3% |
3.3%
+9.2% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
68% |
| Efficiency Ratio |
83.9%
-7.1% YoY-2.1% QoQ
|
+9.8% |
74.1%
-9.5% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 10.6% in tier |
| Delinquency Rate |
0.8%
+122.4% YoY+46.0% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
94.5%
+5.9% YoY+3.9% QoQ
|
+9.7% |
84.8%
-0.8% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$31,269
-5.6% YoY-1.2% QoQ
|
+$2K |
$29,428
+2.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
26.4%
-15.5% YoY+0.4% QoQ
|
-2.6% | 29.0% | 22.5% | 19.8% | 39% |
| Indirect Auto % |
0.3%
-24.4% YoY-12.2% QoQ
|
-18.0% | 18.3% | 16.8% | 7.8% | Bottom 14.6% in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)