BlastPoint's Credit Union Scorecard
PENINSULA COMMUNITY
Charter #665 · WA
PENINSULA COMMUNITY has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 96.0% in tier
- + Net Interest Margin 0.56% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.7% in tier
- - ROA 0.04% below tier average
- - Delinquency rate 0.06% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
21,455
+0.6% YoY-3.2% QoQ
|
+6.0K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
80% |
| Assets |
$307.5M
+5.6% YoY+1.4% QoQ
|
+$75.6M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
74% |
| Loans |
$211.0M
+6.8% YoY-0.0% QoQ
|
+$63.6M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
78% |
| Deposits |
$269.1M
+3.9% YoY+0.3% QoQ
|
+$68.3M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
75% |
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| ROA |
0.7%
+61.8% YoY+17.6% QoQ
|
-0.0% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
4.2%
+15.4% YoY+0.6% QoQ
|
+0.6% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
80% |
| Efficiency Ratio |
75.2%
-6.4% YoY-1.5% QoQ
|
-1.8% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.0%
-8.2% YoY+26.8% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
66% |
| Loan To Share |
78.4%
+2.8% YoY-0.3% QoQ
|
+6.2% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
60% |
| AMR |
$22,376
+4.5% YoY+3.5% QoQ
|
$-2K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
48% |
| CD Concentration |
21.0%
+5.2% YoY+1.5% QoQ
|
-3.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
36.2%
-7.3% YoY-5.4% QoQ
|
+22.4% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
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)