BlastPoint's Credit Union Scorecard
WHATCOM EDUCATIONAL
Charter #66373 · WA
WHATCOM EDUCATIONAL 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
- + Wallet Share Momentum: Top 17.7% in tier
- + Organic Growth Leader: Top 55.1% in tier
- + Organic Growth Engine: Top 55.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13.1% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 2.55% above tier (higher cost structure)
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 +11.0% year over year ($2.75B in shares and deposits).
- Membership: 170,493 members, +1.6% vs a year ago.
- Delinquency rate 0.69%.
- Return on assets 0.68%.
- Efficiency ratio 72.00% vs a 69.45% peer average.
- Loan-to-share ratio 100.64% 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 |
170,493
+1.6% YoY+0.3% QoQ
|
-46.1K |
216,545
-9.5% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$3.4B
+11.2% YoY+2.1% QoQ
|
$-504.5M |
$3.9B
-1.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$2.8B
+7.4% YoY+1.7% QoQ
|
$-164.2M |
$2.9B
-1.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
39% |
| Deposits |
$2.7B
+11.0% YoY+0.3% QoQ
|
$-507.9M |
$3.3B
-2.6% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.7%
+38.6% YoY+18.7% QoQ
|
-0.3% |
0.9%
+25.3% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
25% |
| NIM |
3.0%
+1.5% YoY+2.3% QoQ
|
-0.2% |
3.2%
+3.8% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
32% |
| Efficiency Ratio |
72.0%
-1.0% YoY-3.0% QoQ
|
+2.6% |
69.5%
-2.3% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
0.7%
-3.7% YoY-0.9% QoQ
|
-0.1 |
0.8%
+5.5% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
53% |
| Loan To Share |
100.6%
-3.2% YoY+1.4% QoQ
|
+10.4% |
90.2%
+0.9% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
80% |
| AMR |
$32,355
+7.5% YoY+0.8% QoQ
|
+$1K |
$31,018
+6.9% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
68% |
| CD Concentration |
21.3%
-2.0% YoY-2.0% QoQ
|
-7.7% | 29.1% | 22.7% | 20.0% | 17% |
| Indirect Auto % |
14.8%
-23.7% YoY-3.4% QoQ
|
-3.3% | 18.1% | 16.0% | 7.7% | 47% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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.
Concerns (1)
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)