BlastPoint's Credit Union Scorecard

NORTHWEST PLUS

Charter #67262 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

NORTHWEST PLUS has 2 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ ROA 0.07% above tier average

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Fee Income Per Member: Bottom 8.3% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	15,213 -1.7% YoY-2.4% QoQ	+67	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	60%
Assets	$318.2M +2.0% YoY+1.1% QoQ	+$86.5M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	76%
Loans	$177.6M +0.3% YoY-3.8% QoQ	+$33.4M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	71%
Deposits	$278.6M +4.0% YoY+1.0% QoQ	+$77.4M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	76%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +70.9% YoY+30.0% QoQ	+0.1%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	57%
NIM	3.3% +4.1% YoY+1.2% QoQ	-0.3%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	32%
Efficiency Ratio	68.9% -7.9% YoY-3.2% QoQ	-9.2%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	22%
Delinquency Rate	0.2% -61.4% YoY-66.1% QoQ	-0.5	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	17%
Loan To Share	63.7% -3.6% YoY-4.7% QoQ	-6.7%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	33%
AMR	$29,984 +4.3% YoY+1.5% QoQ	+$5K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	81%
CD Concentration	16.6% +35.0% YoY-4.6% QoQ	-7.7%	24.3%	22.5%	19.8%	50%
Indirect Auto %	23.3% +12.6% YoY-2.0% QoQ	+9.5%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#154 of 257 • Top 50.0% 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): 4.29%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.2K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | Rank worsening

Concerns (3)

Membership Headwinds

decline

#401 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.69%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#377 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 2.00%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 23.34%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -1.69%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Stagnation Risk

risk

#446 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.69%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 0.27%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.24%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (5 metrics)

186

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Median: 0.61%

#186 of 1070 Top 17.3% in 100M-500M tier

203

Average Member Relationship (AMR)

engagement

Value: $29,984

Peer Median: $22,931

#203 of 1070 Top 18.9% in 100M-500M tier

238

Efficiency Ratio

profitability

Value: 68.85%

Peer Median: 78.68%

#238 of 1070 Top 22.1% in 100M-500M tier

252

Total Deposits

balance_sheet

Value: $278.58M

Peer Median: $171.29M

#252 of 1070 Top 23.5% in 100M-500M tier

256

Total Assets

balance_sheet

Value: $318.24M

Peer Median: $196.57M

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (3 metrics)

982

Fee Income Per Member

profitability

Value: $73.21

Peer Median: $154.95

#982 of 1070 Bottom 8.3% in 100M-500M tier

836

First Mortgage Concentration (%)

balance_sheet

Value: 43.61%

Peer Median: 29.47%

#836 of 1070 Bottom 22.0% in 100M-500M tier

827

Indirect Auto Concentration (%)

balance_sheet

Value: 23.34%

Peer Median: 6.61%

#827 of 1070 Bottom 22.8% in 100M-500M tier