BlastPoint's Credit Union Scorecard

NUMERICA

Charter #66841 · WA

Mid-Market 3B-5B

76 CUs in 3B-5B nationally 5 in WA

View Mid-Market leaderboard →

NUMERICA has 8 strengths but faces 7 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 30.9% in tier
+ Organic Growth Leader: Top 32.7% in tier
+ Relationship Depth Leader: Top 39.4% in tier
+ Wallet Share Momentum: Top 85.2% in tier
+ Credit Quality Leader: Top 92.5% in tier
+ Fee Income Per Member: Top 5.3% in tier
+ Average Member Relationship (AMR): Top 7.9% in tier
+ Loan-to-Member Ratio (LMR): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 23.1% in tier
- Credit Risk Growth: Bottom 27.2% in tier
- Credit Quality Pressure: Bottom 28.2% in tier
- Indirect Auto Dependency: Bottom 29.5% in tier
- ROA 0.16% below tier average
- Efficiency ratio 4.58% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 7.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	176,769 +1.0% YoY+0.6% QoQ	-61.7K	238,465 +0.6% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	22%
Assets	$4.2B +3.4% YoY+2.4% QoQ	+$197.5M	$4.0B -0.1% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	58%
Loans	$3.4B +5.2% YoY+1.7% QoQ	+$336.6M	$3.0B +3.3% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	68%
Deposits	$3.6B +8.1% YoY+2.8% QoQ	+$221.3M	$3.3B +1.1% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	64%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.6% -33.2% YoY-1.4% QoQ	-0.2%	0.7% +5.3% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	33%
NIM	2.9% +1.8% YoY+1.5% QoQ	-0.3%	3.2% +13.7% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	30%
Efficiency Ratio	75.8% -0.7% YoY-2.8% QoQ	+4.6%	71.3% -0.6% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	72%
Delinquency Rate	0.4% +0.1% YoY-27.4% QoQ	-0.4	0.8% +15.9% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	22%
Loan To Share	94.4% -2.6% YoY-1.0% QoQ	+3.6%	90.8% +2.0% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	58%
AMR	$39,091 +5.7% YoY+1.7% QoQ	+$10K	$29,088 +0.1% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 9.2% in tier
CD Concentration	28.9% +14.0% YoY+3.9% QoQ	-0.1%	29.0% +0.7% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	51%
Indirect Auto %	15.1% -6.5% YoY-5.0% QoQ	-3.7%	18.8% -3.0% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	47%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#225 of 246 • Top 30.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.59%

(Tier: 0.71%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 15.07%

(Tier: 18.77%, National: 7.90%)

better than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Leader

growth

#129 of 138 • Top 32.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.98%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 15.07%

(Tier: 18.77%, National: 7.90%)

better than tier avg

138 of 380 Mid-Market CUs have this signature | 608 nationally

↑ Growing +11 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#27 of 67 • Top 39.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.66%

(Tier: 3.04%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.8K

(Tier: $3.1K, National: $2.0K)

better than tier avg

67 of 380 Mid-Market CUs have this signature | 341 nationally

↑ Growing +25 CUs YoY | New qualifier

Wallet Share Momentum

growth

#99 of 116 • Top 85.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.66%

(Tier: 3.04%, National: 4.19%)

better than tier avg

116 of 380 Mid-Market CUs have this signature | 620 nationally

↑ Growing +38 CUs YoY | New qualifier

Credit Quality Leader

growth

#88 of 95 • Top 92.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.41%

(Tier: 0.83%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.07% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (4)

Liquidity Strain

risk

#122 of 183 • Bottom 23.1% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 94.41%

(Tier: 86.32%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.25%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

183 of 380 Mid-Market CUs have this signature | 484 nationally

↑ Growing +10 CUs YoY | Rank worsening

Credit Risk Growth

risk

#152 of 161 • Bottom 27.2% in tier

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

Why This Signature

Loan Growth (YoY): 5.25%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#217 of 217 • Bottom 28.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.00% points

(Tier: 0.07% points, National: 0.07% points)

but better than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#183 of 202 • Bottom 29.5% in tier

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

Why This Signature

Asset Growth (YoY): 3.43%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.07%

(Tier: 18.77%, National: 7.90%)

but better than tier avg

Member Growth (YoY): 0.98%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY | Rank improving

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 76 peers in tier

Top Strengths (8 metrics)

Fee Income Per Member

profitability

Value: $297.83

Peer Avg: -

#5 of 76 Top 5.3% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $39,091

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $18,983

Peer Avg: -

#7 of 76 Top 7.9% in 3B-5B tier

First Mortgage Concentration (%)

balance_sheet

Value: 16.87%

Peer Avg: -

#10 of 76 Top 11.8% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.41%

Peer Avg: -

#18 of 76 Top 22.4% in 3B-5B tier

AMR Growth Rate

growth

Value: 5.66%

Peer Avg: -

#19 of 76 Top 23.7% in 3B-5B tier

Net Worth Ratio

risk

Value: 11.75%

Peer Avg: -

#19 of 76 Top 23.7% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.31%

Peer Avg: -

#20 of 76 Top 25.0% in 3B-5B tier

Top Weaknesses (3 metrics)

Members Per Employee (MPE)

engagement

Value: 278.815

Peer Avg: -

#71 of 76 Bottom 7.9% in 3B-5B tier

Member Growth Rate

growth

Value: 0.98%

Peer Avg: -

#61 of 76 Bottom 21.1% in 3B-5B tier

Total Members

engagement

Value: 176,769

Peer Avg: -

#59 of 76 Bottom 23.7% in 3B-5B tier