BlastPoint's Credit Union Scorecard
NORTHWEST PLUS
Charter #67262 · WA
NORTHWEST PLUS has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 44.9% in tier
- + Wallet Share Momentum: Top 86.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.7% in tier
- - Credit Risk Growth: Bottom 13.3% in tier
- - Indirect Auto Dependency: Bottom 17.8% in tier
- - Stagnation Risk: Bottom 22.9% in tier
- - Membership Headwinds: Bottom 29.8% in tier
- - ROA 0.21% below tier average
- - Delinquency rate 0.20% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
15,654
-0.9% YoY+0.9% QoQ
|
+25 |
15,628
-3.4% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
60% |
| Assets |
$313.1M
+4.1% YoY+1.7% QoQ
|
+$81.8M |
$231.3M
-0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$184.6M
+2.9% YoY+0.3% QoQ
|
+$36.8M |
$147.8M
-1.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
71% |
| Deposits |
$270.1M
+6.0% YoY+1.1% QoQ
|
+$69.9M |
$200.3M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.6%
-16.3% YoY+5.4% QoQ
|
-0.2% |
0.8%
+15.5% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
3.3%
+4.0% YoY+1.1% QoQ
|
-0.3% |
3.6%
+6.9% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
32% |
| Efficiency Ratio |
70.2%
-2.1% YoY-1.9% QoQ
|
-7.1% |
77.3%
-3.0% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
26% |
| Delinquency Rate |
1.1%
+89.0% YoY+115.8% QoQ
|
+0.2 |
0.9%
+7.6% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
68.3%
-2.9% YoY-0.8% QoQ
|
-4.4% |
72.7%
-1.5% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$29,051
+5.6% YoY-0.2% QoQ
|
+$5K |
$24,363
+2.9% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
80% |
| CD Concentration |
15.4%
+35.8% YoY+9.5% QoQ
|
-9.0% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
24.2%
+9.2% YoY+8.6% QoQ
|
+10.2% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)