BlastPoint's Credit Union Scorecard
HARBORSTONE
Charter #66399 · WA
HARBORSTONE has 8 strengths but faces 8 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
- + Relationship Depth Leader: Top 8.9% in tier
- + Wallet Share Momentum: Top 8.9% in tier
- + Net Interest Margin 0.41% above tier average
- + Strong member growth: 28.6% YoY
- + Asset Growth Rate: Top 1.3% in tier
- + Loan Growth Rate: Top 1.3% in tier
- + Deposit Growth Rate: Top 1.3% in tier
- + Member Growth Rate: Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.8% in tier
- - Indirect Auto Dependency: Bottom 1.1% in tier
- - Efficiency Drag: Bottom 12.8% in tier
- - Credit Quality Pressure: Bottom 18.8% in tier
- - Liquidity Strain: Bottom 32.3% in tier
- - ROA 0.88% below tier average
- - Efficiency ratio 12.99% above tier (higher cost structure)
- - Delinquency rate 0.24% above tier average
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 +38.2% year over year ($2.60B in shares and deposits).
- Membership: 121,878 members, +28.6% vs a year ago.
- Delinquency rate 1.08%.
- Return on assets 0.05%.
- Efficiency ratio 82.45% vs a 69.45% peer average.
- Loan-to-share ratio 93.51% 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 |
121,878
+28.6% YoY+1.3% QoQ
|
-94.7K |
216,545
-9.5% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Bottom 5.2% in tier |
| Assets |
$3.1B
+42.1% YoY+2.8% QoQ
|
$-767.9M |
$3.9B
-1.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.1% in tier |
| Loans |
$2.4B
+48.4% YoY+4.1% QoQ
|
$-502.4M |
$2.9B
-1.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
18% |
| Deposits |
$2.6B
+38.2% YoY-0.6% QoQ
|
$-659.8M |
$3.3B
-2.6% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.1% in tier |
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| ROA |
0.1%
-97.1% YoY-13.8% QoQ
|
-0.9% |
0.9%
+25.3% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 0.1% in tier |
| NIM |
3.6%
+14.8% YoY-0.6% QoQ
|
+0.4% |
3.2%
+3.8% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
74% |
| Efficiency Ratio |
82.4%
+46.0% YoY+0.1% QoQ
|
+13.0% |
69.5%
-2.3% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
1.1%
+27.6% YoY+34.8% QoQ
|
+0.2 |
0.8%
+5.5% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
93.5%
+7.4% YoY+4.8% QoQ
|
+3.3% |
90.2%
+0.9% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
51% |
| AMR |
$41,240
+11.2% YoY+0.3% QoQ
|
+$10K |
$31,018
+6.9% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 10.4% in tier |
| CD Concentration |
27.9%
-2.4% YoY-2.7% QoQ
|
-1.2% | 29.1% | 22.7% | 20.0% | 45% |
| Indirect Auto % |
28.3%
-20.3% YoY+0.2% QoQ
|
+10.2% | 18.1% | 16.0% | 7.7% | 74% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)