BlastPoint's Credit Union Scorecard

PENINSULA COMMUNITY

Charter #665 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

PENINSULA COMMUNITY has 2 strengths but faces 5 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.10% above tier average
+ Net Interest Margin 0.61% above tier average

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Delinquency rate 0.16% above tier average
- Indirect Auto Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	21,491 +0.6% YoY+0.2% QoQ	+6.3K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	81%
Assets	$306.4M +3.2% YoY-0.4% QoQ	+$74.7M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	74%
Loans	$203.0M +4.6% YoY-3.7% QoQ	+$58.9M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	77%
Deposits	$270.0M +2.4% YoY+0.3% QoQ	+$68.9M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	75%

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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% +61.9% YoY+15.5% QoQ	+0.1%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	59%
NIM	4.2% +4.2% YoY+1.9% QoQ	+0.6%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	84%
Efficiency Ratio	75.0% -6.8% YoY-0.3% QoQ	-3.0%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	38%
Delinquency Rate	0.9% +14.7% YoY-2.6% QoQ	+0.2	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	73%
Loan To Share	75.2% +2.2% YoY-4.1% QoQ	+4.8%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	56%
AMR	$22,013 +2.8% YoY-1.6% QoQ	$-3K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	45%
CD Concentration	21.4% +9.0% YoY+1.7% QoQ	-2.9%	24.3%	22.5%	19.8%	50%
Indirect Auto %	39.6% +5.7% YoY+9.5% QoQ	+25.8%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (3)

Indirect Auto Dependency

risk

#173 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 3.17%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 39.64%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 0.56%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#458 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#336 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 4.64%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | 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 1070 peers in tier

Top Strengths (4 metrics)

174

Net Interest Margin (NIM)

profitability

Value: 4.24%

Peer Median: 3.62%

#174 of 1070 Top 16.2% in 100M-500M tier

203

Total Members

engagement

Value: 21,491

Peer Median: 13,200

#203 of 1070 Top 18.9% in 100M-500M tier

250

Total Loans

balance_sheet

Value: $203.04M

Peer Median: $121.41M

#250 of 1070 Top 23.3% in 100M-500M tier

267

Total Deposits

balance_sheet

Value: $270.04M

Peer Median: $171.29M

#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (2 metrics)

982

Indirect Auto Concentration (%)

balance_sheet

Value: 39.64%

Peer Median: 6.61%

#982 of 1070 Bottom 8.3% in 100M-500M tier

929

Net Charge-Off Rate

risk

Value: 0.92%

Peer Median: 0.35%

#929 of 1070 Bottom 13.3% in 100M-500M tier