BlastPoint's Credit Union Scorecard
PENINSULA COMMUNITY
Charter #665 · WA
PENINSULA COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 20.8% in tier
- + Net Interest Margin 0.56% above tier average
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 19.3% in tier
- - Indirect Auto Dependency: Bottom 21.3% in tier
- - ROA 0.17% below tier average
- - Indirect Auto Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
22,173
+4.6% YoY+1.7% QoQ
|
+6.5K |
15,628
-3.4% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$303.3M
+1.7% YoY+1.4% QoQ
|
+$72.0M |
$231.3M
-0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
73% |
| Loans |
$211.0M
+6.6% YoY+2.5% QoQ
|
+$63.2M |
$147.8M
-1.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
78% |
| Deposits |
$268.4M
+0.7% YoY+1.7% QoQ
|
+$68.1M |
$200.3M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
0.6%
+152.2% YoY+14.6% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
4.1%
+21.6% YoY+1.0% QoQ
|
+0.6% |
3.6%
+6.9% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
76.4%
-8.0% YoY-1.8% QoQ
|
-0.9% |
77.3%
-3.0% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.8%
-4.4% YoY-13.3% QoQ
|
-0.1 |
0.9%
+7.6% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
78.6%
+5.8% YoY+0.8% QoQ
|
+5.9% |
72.7%
-1.5% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
59% |
| AMR |
$21,624
-1.3% YoY+0.3% QoQ
|
$-3K |
$24,363
+2.9% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
45% |
| CD Concentration |
20.7%
-3.0% YoY+2.3% QoQ
|
-3.7% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
38.3%
-3.5% YoY+0.3% QoQ
|
+24.3% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)