BlastPoint's Credit Union Scorecard

HARBORSTONE

Charter #66399 · WA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 9 in WA

View Mid-Market leaderboard →

HARBORSTONE has 16 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 6.1% in tier
+ Organic Growth Engine: Top 6.3% in tier
+ Wallet Share Momentum: Top 7.8% in tier
+ ROA 0.12% above tier average
+ Strong member growth: 16.2% YoY
+ Asset Growth Rate: Top 0.3% in tier
+ Deposit Growth Rate: Top 0.7% in tier
+ Loan Growth Rate: Top 1.0% in tier
+ Total Assets: Top 1.6% in tier
+ Member Growth Rate: Top 2.0% in tier
+ AMR Growth Rate: Top 2.0% in tier
+ Fee Income Per Member: Top 2.3% in tier
+ Total Loans: Top 2.6% in tier
+ Total Deposits: Top 3.0% in tier
+ Loan-to-Member Ratio (LMR): Top 3.9% in tier
+ Average Member Relationship (AMR): Top 5.6% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.0% in tier
- Credit Quality Pressure: Bottom 2.6% in tier
- Indirect Auto Dependency: Bottom 8.0% in tier
- Liquidity Strain: Bottom 19.1% in tier
- Delinquency rate 0.06% above tier average
- Members Per Employee (MPE): Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	106,577 +16.2% YoY+12.5% QoQ	+7.9K	98,678 -1.9% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	64%
Assets	$2.9B +37.6% YoY+31.7% QoQ	+$1.2B	$1.7B +0.5% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	Top 2.0% in tier
Loans	$2.2B +40.2% YoY+34.4% QoQ	+$965.6M	$1.2B +0.5% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	Top 3.0% in tier
Deposits	$2.4B +31.5% YoY+28.2% QoQ	+$954.7M	$1.5B +1.3% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	Top 3.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +3804.1% YoY-53.6% QoQ	+0.1%	0.7% +13.4% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	65%
NIM	2.9% +1.8% YoY-8.2% QoQ	-0.4%	3.3% +9.3% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	24%
Efficiency Ratio	63.5% -23.2% YoY+12.5% QoQ	-10.4%	74.0% -10.9% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	Bottom 13.5% in tier
Delinquency Rate	0.9% +139.8% YoY+4.4% QoQ	+0.1	0.8% +6.1% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	68%
Loan To Share	91.3% +6.6% YoY+4.8% QoQ	+6.1%	85.2% -0.8% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	60%
AMR	$43,234 +16.6% YoY+16.6% QoQ	+$14K	$29,172 +2.8% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 5.9% in tier
CD Concentration	27.8% -0.6% YoY-2.7% QoQ	-1.2%	29.0% +0.7% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	46%
Indirect Auto %	29.8% -15.4% YoY-16.0% QoQ	+11.0%	18.8% -3.0% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	75%

Signature Analysis

Strengths (3)

Relationship Depth Leader

growth

#5 of 67 • Top 6.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 16.64%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $6.4K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | Rank improving

Organic Growth Engine

growth

#47 of 246 • Top 6.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 16.16%

(Tier: 3.18%, National: 9.37%)

better than tier avg

Return on Assets: 0.83%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 29.76%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Wallet Share Momentum

growth

#10 of 116 • Top 7.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 16.64%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | Rank improving

Concerns (4)

Credit Risk Growth

risk

#1 of 161 • Bottom 0.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 40.19%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.51% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | New qualifier

Credit Quality Pressure

risk

#21 of 217 • Bottom 2.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.51% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#50 of 202 • Bottom 8.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 37.58%

(Tier: 5.36%, National: 3.04%)

but better than tier avg

Indirect Auto %: 29.76%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 16.16%

(Tier: 3.18%, National: 9.37%)

but better than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

Liquidity Strain

risk

#101 of 183 • Bottom 19.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 91.27%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 40.19%

(Tier: 6.14%, National: 36.38%)

but better than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | New qualifier

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)

Compare against:

Comparing against 304 peers in tier

Top Strengths (13 metrics)

Asset Growth Rate

growth

Value: 37.58%

Peer Avg: -

#2 of 304 Top 0.3% in 1B-3B tier

Deposit Growth Rate

growth

Value: 31.46%

Peer Avg: -

#3 of 304 Top 0.7% in 1B-3B tier

Loan Growth Rate

growth

Value: 40.19%

Peer Avg: -

#4 of 304 Top 1.0% in 1B-3B tier

Total Assets

balance_sheet

Value: $2.91B

Peer Avg: -

#6 of 304 Top 1.6% in 1B-3B tier

Member Growth Rate

growth

Value: 16.16%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

AMR Growth Rate

growth

Value: 16.64%

Peer Avg: -

#7 of 304 Top 2.0% in 1B-3B tier

Fee Income Per Member

profitability

Value: $408.13

Peer Avg: -

#8 of 304 Top 2.3% in 1B-3B tier

Total Loans

balance_sheet

Value: $2.20B

Peer Avg: -

#9 of 304 Top 2.6% in 1B-3B tier

Total Deposits

balance_sheet

Value: $2.41B

Peer Avg: -

#10 of 304 Top 3.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,630

Peer Avg: -

#13 of 304 Top 3.9% in 1B-3B tier

Top Weaknesses (4 metrics)

282

Members Per Employee (MPE)

engagement

Value: 258.056

Peer Avg: -

#282 of 304 Bottom 7.6% in 1B-3B tier

251

Net Worth Ratio

risk

Value: 9.32%

Peer Avg: -

#251 of 304 Bottom 17.8% in 1B-3B tier

231

Net Interest Margin (NIM)

profitability

Value: 2.91%

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier

231

Indirect Auto Concentration (%)

balance_sheet

Value: 29.76%

Peer Avg: -

#231 of 304 Bottom 24.3% in 1B-3B tier