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 7.6% in tier
- + Wallet Share Momentum: Top 7.6% in tier
- + Net Interest Margin 0.46% above tier average
- + Strong member growth: 28.5% 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 1.6% in tier
- - Indirect Auto Dependency: Bottom 1.6% in tier
- - Efficiency Drag: Bottom 18.5% in tier
- - Credit Quality Pressure: Bottom 32.4% in tier
- - ROA 0.67% below tier average
- - Efficiency ratio 11.07% above tier (higher cost structure)
- - Delinquency rate 0.06% above tier average
- - Total Assets: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120,361
+28.5% YoY+0.4% QoQ
|
-100.1K |
220,435
-7.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
Bottom 5.1% in tier |
| Assets |
$3.0B
+40.7% YoY-0.8% QoQ
|
$-868.0M |
$3.9B
-1.5% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 1.3% in tier |
| Loans |
$2.3B
+47.2% YoY-0.2% QoQ
|
$-559.9M |
$2.9B
-1.1% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 12.8% in tier |
| Deposits |
$2.6B
+39.2% YoY+0.0% QoQ
|
$-683.8M |
$3.3B
-2.5% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 7.7% in tier |
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| ROA |
0.1%
-98.2% YoY-91.5% QoQ
|
-0.7% |
0.7%
+10.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 6.4% in tier |
| NIM |
3.7%
+16.2% YoY+31.7% QoQ
|
+0.5% |
3.2%
+4.6% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
77% |
| Efficiency Ratio |
82.3%
+80.2% YoY+18.4% QoQ
|
+11.1% |
71.3%
-2.6% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
0.8%
+14.6% YoY-22.8% QoQ
|
+0.1 |
0.7%
+9.2% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
69% |
| Loan To Share |
89.3%
+5.7% YoY-0.3% QoQ
|
+1.3% |
88.0%
+0.9% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
45% |
| AMR |
$41,104
+11.2% YoY-0.5% QoQ
|
+$10K |
$30,672
+5.5% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 11.5% in tier |
| CD Concentration |
28.7%
-0.1% YoY-1.3% QoQ
|
-0.2% | 28.8% | 22.5% | 19.8% | 51% |
| Indirect Auto % |
28.2%
-23.0% YoY+2.1% QoQ
|
+10.1% | 18.1% | 16.1% | 7.7% | 75% |
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 (4)
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.
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)