BlastPoint's Credit Union Scorecard
WHATCOM EDUCATIONAL
Charter #66373 · WA
WHATCOM EDUCATIONAL has 4 strengths but faces 6 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 40.2% in tier
- + Organic Growth Leader: Top 59.6% in tier
- + Organic Growth Engine: Top 86.2% in tier
- + Deposit Growth Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19.6% in tier
- - Credit Quality Pressure: Bottom 23.3% in tier
- - Liquidity Strain: Bottom 38.2% in tier
- - Indirect Auto Dependency: Bottom 56.9% in tier
- - ROA 0.31% below tier average
- - Efficiency ratio 2.65% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
169,630
+2.8% YoY+0.1% QoQ
|
-60.7K |
230,353
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$3.3B
+12.7% YoY+6.1% QoQ
|
$-609.4M |
$3.9B
+0.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$2.7B
+7.8% YoY+4.1% QoQ
|
$-283.3M |
$2.9B
-0.2% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$2.7B
+15.5% YoY+6.5% QoQ
|
$-579.3M |
$3.3B
-0.3% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.4%
-6.7% YoY-9.8% QoQ
|
-0.3% |
0.7%
+16.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
2.8%
+4.6% YoY-5.6% QoQ
|
-0.3% |
3.1%
+9.8% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
30% |
| Efficiency Ratio |
74.1%
+1.1% YoY+2.3% QoQ
|
+2.6% |
71.4%
-1.4% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.7%
+60.8% YoY+3.1% QoQ
|
-0.1 |
0.9%
+5.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
97.1%
-6.7% YoY-2.2% QoQ
|
+8.2% |
88.9%
-0.2% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$31,736
+8.5% YoY+5.2% QoQ
|
+$2K |
$29,682
+1.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
22.6%
+1.0% YoY-0.8% QoQ
|
-6.4% | 29.0% | 22.5% | 19.8% | 23% |
| Indirect Auto % |
16.2%
-31.6% YoY-14.3% QoQ
|
-2.1% | 18.3% | 16.8% | 7.8% | 50% |
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 (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)