BlastPoint's Credit Union Scorecard
SALAL
Charter #66349 · WA
SALAL has 5 strengths but faces 7 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 28.2% in tier
- + Organic Growth Engine: Top 28.2% in tier
- + Emerging Performer: Top 72.8% in tier
- + Net Interest Margin 0.51% above tier average
- + Fee Income Per Member: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30.9% in tier
- - Shrinking Wallet Share: Bottom 93.3% in tier
- - Deposit Outflow: Bottom 95.2% in tier
- - ROA 0.26% below tier average
- - Efficiency ratio 6.51% above tier (higher cost structure)
- - Deposit Growth Rate: Bottom 6.7% in tier
- - AMR Growth Rate: Bottom 7.0% in tier
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits -2.2% year over year ($1.02B in shares and deposits).
- Membership: 63,475 members, +4.3% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.56%.
- Efficiency ratio 79.53% vs a 73.02% peer average.
- Loan-to-share ratio 93.75% vs a 84.71% 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 |
63,475
+4.3% YoY+0.9% QoQ
|
-33.4K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
19% |
| Assets |
$1.2B
-0.0% YoY+0.1% QoQ
|
$-562.9M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
17% |
| Loans |
$953.8M
+2.9% YoY+0.4% QoQ
|
$-280.5M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$1.0B
-2.2% YoY-0.8% QoQ
|
$-446.0M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
22% |
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| ROA |
0.6%
+40.1% QoQ
|
-0.3% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
29% |
| NIM |
3.9%
+17.1% YoY+2.5% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
82% |
| Efficiency Ratio |
79.5%
-9.7% YoY-2.1% QoQ
|
+6.5% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
0.6%
-9.6% YoY-13.2% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
39% |
| Loan To Share |
93.8%
+5.2% YoY+1.2% QoQ
|
+9.0% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$31,054
-3.9% YoY-1.1% QoQ
|
+$1K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
24.6%
-18.9% YoY-4.5% QoQ
|
-4.4% | 29.1% | 22.7% | 20.0% | 30% |
| Indirect Auto % |
0.3%
-29.7% YoY-7.8% QoQ
|
-17.8% | 18.1% | 16.0% | 7.7% | Top 14.1% in tier |
Signature Analysis
Strengths (3)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
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.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)