BlastPoint's Credit Union Scorecard
NUMERICA
Charter #66841 · WA
NUMERICA has 6 strengths but faces 3 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 37.4% in tier
- + Organic Growth Leader: Top 50.5% in tier
- + Organic Growth Engine: Top 50.5% in tier
- + ROA 0.07% above tier average
- + Fee Income Per Member: Top 5.2% in tier
- + First Mortgage Concentration (%): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.8% in tier
- - Efficiency ratio 2.79% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.1% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 77 credit unions with $3B-$5B in assets nationally, and 1 of 5 that size in Washington.
- Shares and deposits +6.2% year over year ($3.67B in shares and deposits).
- Membership: 179,425 members, +2.1% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 1.00%.
- Efficiency ratio 72.25% vs a 69.45% peer average.
- Loan-to-share ratio 95.98% vs a 90.24% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
179,425
+2.1% YoY+0.7% QoQ
|
-37.1K |
216,545
-9.5% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$4.3B
+6.2% YoY-0.4% QoQ
|
+$419.6M |
$3.9B
-1.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$3.5B
+6.9% YoY+2.2% QoQ
|
+$595.6M |
$2.9B
-1.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
83% |
| Deposits |
$3.7B
+6.2% YoY-0.7% QoQ
|
+$417.2M |
$3.3B
-2.6% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
77% |
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| ROA |
1.0%
+67.3% YoY-0.1% QoQ
|
+0.1% |
0.9%
+25.3% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
3.0%
+5.6% YoY+2.4% QoQ
|
-0.3% |
3.2%
+3.8% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
29% |
| Efficiency Ratio |
72.2%
-7.4% YoY+0.4% QoQ
|
+2.8% |
69.5%
-2.3% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
65% |
| Delinquency Rate |
0.4%
-37.2% YoY-15.2% QoQ
|
-0.5 |
0.8%
+5.5% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Top 10.4% in tier |
| Loan To Share |
96.0%
+0.6% YoY+3.0% QoQ
|
+5.7% |
90.2%
+0.9% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
61% |
| AMR |
$40,135
+4.4% YoY+0.0% QoQ
|
+$9K |
$31,018
+6.9% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 14.3% in tier |
| CD Concentration |
34.4%
+23.5% YoY+3.7% QoQ
|
+5.3% | 29.1% | 22.7% | 20.0% | 73% |
| Indirect Auto % |
14.8%
-6.6% YoY-2.1% QoQ
|
-3.3% | 18.1% | 16.0% | 7.7% | 48% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)