BlastPoint's Credit Union Scorecard
NUMERICA
Charter #66841 · WA
NUMERICA has 3 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 40.5% in tier
- + ROA 0.27% above tier average
- + Fee Income Per Member: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27.4% in tier
- - Indirect Auto Dependency: Bottom 45.0% in tier
- - Efficiency ratio 0.68% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 9.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
178,219
+2.0% YoY+0.4% QoQ
|
-42.2K |
220,435
-7.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$4.3B
+5.5% YoY+3.0% QoQ
|
+$423.9M |
$3.9B
-1.5% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
70% |
| Loans |
$3.4B
+6.6% YoY+1.8% QoQ
|
+$556.2M |
$2.9B
-1.1% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$3.7B
+5.5% YoY+3.3% QoQ
|
+$403.5M |
$3.3B
-2.5% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
77% |
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| ROA |
1.0%
+55.0% YoY+39.4% QoQ
|
+0.3% |
0.7%
+10.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
67% |
| NIM |
2.9%
+4.6% YoY+1.3% QoQ
|
-0.3% |
3.2%
+4.6% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
26% |
| Efficiency Ratio |
72.0%
-11.1% YoY-4.8% QoQ
|
+0.7% |
71.3%
-2.6% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
60% |
| Delinquency Rate |
0.4%
-20.7% YoY+22.0% QoQ
|
-0.3 |
0.7%
+9.2% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
28% |
| Loan To Share |
93.2%
+1.1% YoY-1.5% QoQ
|
+5.2% |
88.0%
+0.9% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
62% |
| AMR |
$40,123
+3.9% YoY+2.1% QoQ
|
+$9K |
$30,672
+5.5% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 14.1% in tier |
| CD Concentration |
33.1%
+21.8% YoY+2.6% QoQ
|
+4.3% | 28.8% | 22.5% | 19.8% | 69% |
| Indirect Auto % |
15.1%
-0.1% YoY-1.0% QoQ
|
-2.9% | 18.1% | 16.1% | 7.7% | 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)