BlastPoint's Credit Union Scorecard
SALAL
Charter #66349 · WA
SALAL has 4 strengths but faces 9 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 14.5% in tier
- + Organic Growth Engine: Top 22.9% in tier
- + Net Interest Margin 0.20% above tier average
- + Fee Income Per Member: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 6.4% in tier
- - Credit Quality Pressure: Bottom 7.6% in tier
- - Shrinking Wallet Share: Bottom 11.2% in tier
- - Liquidity Strain: Bottom 33.4% in tier
- - ROA 0.63% below tier average
- - Efficiency ratio 11.71% above tier (higher cost structure)
- - AMR Growth Rate: Bottom 9.2% in tier
- - Net Worth Ratio: Bottom 9.5% in tier
- - Members Per Employee (MPE): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
61,552
+4.5% YoY+1.1% QoQ
|
-37.1K |
98,678
-1.9% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
15% |
| Assets |
$1.1B
-0.2% YoY-1.3% QoQ
|
$-572.6M |
$1.7B
+0.5% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
17% |
| Loans |
$928.5M
-0.1% YoY+0.2% QoQ
|
$-304.6M |
$1.2B
+0.5% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$1.0B
+1.3% YoY-1.9% QoQ
|
$-433.8M |
$1.5B
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
0.1%
-23.7% YoY+90.1% QoQ
|
-0.6% |
0.7%
+13.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 3.9% in tier |
| NIM |
3.5%
+13.5% YoY+3.0% QoQ
|
+0.2% |
3.3%
+9.3% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
62% |
| Efficiency Ratio |
85.7%
-3.9% YoY-2.8% QoQ
|
+11.7% |
74.0%
-10.9% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 8.6% in tier |
| Delinquency Rate |
0.6%
+75.4% YoY-14.2% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
91.0%
-1.3% YoY+2.1% QoQ
|
+5.8% |
85.2%
-0.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$31,664
-3.7% YoY-2.0% QoQ
|
+$2K |
$29,172
+2.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
71% |
| CD Concentration |
26.3%
-15.5% YoY-13.4% QoQ
|
-2.6% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
40% |
| Indirect Auto % |
0.4%
-21.6% YoY-6.2% QoQ
|
-18.4% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
Bottom 14.7% 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 (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)