BlastPoint's Credit Union Scorecard
NUMERICA
Charter #66841 · WA
NUMERICA has 2 strengths but faces 4 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 37.6% in tier
- + Fee Income Per Member: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 28.2% in tier
- - Indirect Auto Dependency: Bottom 52.7% in tier
- - Efficiency ratio 4.15% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
177,451
+1.5% YoY+0.4% QoQ
|
-52.9K |
230,353
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$4.2B
+5.3% YoY+1.1% QoQ
|
+$273.6M |
$3.9B
+0.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$3.4B
+6.6% YoY+1.0% QoQ
|
+$454.7M |
$2.9B
-0.2% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
74% |
| Deposits |
$3.6B
+5.3% YoY+0.8% QoQ
|
+$273.1M |
$3.3B
-0.3% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
70% |
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%
-11.1% YoY+21.8% QoQ
|
+0.0% |
0.7%
+16.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
43% |
| NIM |
2.9%
+1.1% YoY+0.2% QoQ
|
-0.3% |
3.1%
+9.8% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
32% |
| Efficiency Ratio |
75.6%
-1.2% YoY-0.4% QoQ
|
+4.2% |
71.4%
-1.4% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
75% |
| Delinquency Rate |
0.3%
-35.4% YoY-16.5% QoQ
|
-0.5 |
0.9%
+5.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 14.5% in tier |
| Loan To Share |
94.6%
+1.2% YoY+0.2% QoQ
|
+5.7% |
88.9%
-0.2% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$39,300
+4.4% YoY+0.5% QoQ
|
+$10K |
$29,682
+1.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 13.2% in tier |
| CD Concentration |
32.3%
+21.5% YoY+11.8% QoQ
|
+3.3% | 29.0% | 22.5% | 19.8% | 67% |
| Indirect Auto % |
15.3%
-1.9% YoY+1.5% QoQ
|
-3.0% | 18.3% | 16.8% | 7.8% | 49% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (2)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)