BlastPoint's Credit Union Scorecard
WHITE RIVER
Charter #67201 · WA
WHITE RIVER has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 1.78% above tier average
- + Share Certificate Concentration (%): Top 6.3% in tier
- + Net Worth Ratio: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Liquidity Overhang: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
- Shares and deposits -5.0% year over year ($94.4M in shares and deposits).
- Membership: 8,389 members, -0.7% vs a year ago.
- Delinquency rate 1.01%.
- Return on assets 0.98%.
- Efficiency ratio 63.12% vs a 76.73% peer average.
- Loan-to-share ratio 65.58% vs a 71.54% 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 |
8,389
-0.7% YoY-0.3% QoQ
|
-6.8K |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
21% |
| Assets |
$114.2M
-3.2% YoY-1.2% QoQ
|
$-117.8M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Bottom 9.4% in tier |
| Loans |
$61.9M
-2.9% YoY+4.6% QoQ
|
$-84.3M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 12.2% in tier |
| Deposits |
$94.4M
-5.0% YoY-2.0% QoQ
|
$-106.3M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 6.6% in tier |
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| ROA |
1.0%
-18.6% YoY+561.8% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
63% |
| NIM |
5.5%
+6.8% YoY-0.9% QoQ
|
+1.8% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 1.2% in tier |
| Efficiency Ratio |
63.1%
+0.5% YoY+7.8% QoQ
|
-13.6% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Top 12.5% in tier |
| Delinquency Rate |
1.0%
-19.1% YoY-26.6% QoQ
|
+0.1 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
69% |
| Loan To Share |
65.6%
+2.3% YoY+6.7% QoQ
|
-6.0% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$18,641
-3.5% YoY+0.8% QoQ
|
$-6K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
6.8%
+16.3% YoY+11.6% QoQ
|
-17.8% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
24.6%
-13.6% YoY-15.5% QoQ
|
+11.0% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (9)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)