BlastPoint's Credit Union Scorecard
HARBORSTONE
Charter #66399 · WA
HARBORSTONE has 11 strengths but faces 9 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 14.1% in tier
- + Wallet Share Momentum: Top 19.7% in tier
- + Organic Growth Engine: Top 23.2% in tier
- + Strong member growth: 29.5% 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
- + Fee Income Per Member: Top 3.9% in tier
- + AMR Growth Rate: Top 3.9% in tier
- + Average Member Relationship (AMR): Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 0.0% in tier
- - Credit Quality Pressure: Bottom 9.0% in tier
- - Indirect Auto Dependency: Bottom 29.2% in tier
- - ROA 0.01% below tier average
- - Delinquency rate 0.16% above tier average
- - Members Per Employee (MPE): Bottom 2.6% in tier
- - Total Members: Bottom 5.3% in tier
- - Total Assets: Bottom 7.9% in tier
- - Total Deposits: Bottom 7.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,906
+29.5% YoY+12.5% QoQ
|
-110.4K |
230,353
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 3.9% in tier |
| Assets |
$3.1B
+45.7% YoY+5.8% QoQ
|
$-868.3M |
$3.9B
+0.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 6.6% in tier |
| Loans |
$2.3B
+49.3% YoY+6.4% QoQ
|
$-596.4M |
$2.9B
-0.2% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
16% |
| Deposits |
$2.6B
+40.6% YoY+8.5% QoQ
|
$-697.3M |
$3.3B
-0.3% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 6.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
+22.6% YoY-14.6% QoQ
|
-0.0% |
0.7%
+16.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
42% |
| NIM |
2.8%
-4.8% YoY-4.4% QoQ
|
-0.4% |
3.1%
+9.8% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
69.5%
-4.3% YoY+9.4% QoQ
|
-1.9% |
71.4%
-1.4% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
50% |
| Delinquency Rate |
1.0%
+106.3% YoY+17.3% QoQ
|
+0.2 |
0.9%
+5.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
75% |
| Loan To Share |
89.5%
+6.2% YoY-1.9% QoQ
|
+0.6% |
88.9%
-0.2% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
43% |
| AMR |
$41,301
+11.6% YoY-4.5% QoQ
|
+$12K |
$29,682
+1.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 9.2% in tier |
| CD Concentration |
29.0%
-0.1% YoY+4.5% QoQ
|
-0.0% | 29.0% | 22.5% | 19.8% | 52% |
| Indirect Auto % |
27.6%
-23.4% YoY-7.2% QoQ
|
+9.3% | 18.3% | 16.8% | 7.8% | 73% |
Signature Analysis
Strengths (3)
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.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
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.
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)