BlastPoint's Credit Union Scorecard
NUMERICA
Charter #66841 · WA
NUMERICA has 5 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 64.1% in tier
- + Organic Growth Engine: Top 79.3% in tier
- + Organic Growth Leader: Top 86.5% in tier
- + ROA 0.00% above tier average
- + Fee Income Per Member: Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 60.6% in tier
- - Indirect Auto Dependency: Bottom 88.7% 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% |
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| 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
|
Bottom 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 (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
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)