BlastPoint's Credit Union Scorecard
PRIMESOURCE
Charter #67911 · WA
PRIMESOURCE has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 3.4% in tier
- + Total Assets: Top 4.0% in tier
- + Total Loans: Top 5.6% in tier
- + Total Members: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 1.43% above tier (higher cost structure)
- - Delinquency rate 1.61% above tier average
- - Indirect Auto Concentration (%): Bottom 2.5% in tier
- - Net Charge-Off Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,745
-0.7% YoY-0.5% QoQ
|
+4.1K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 6.4% in tier |
| Assets |
$89.7M
-4.3% YoY-1.3% QoQ
|
+$59.6M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 4.0% in tier |
| Loans |
$49.9M
-11.1% YoY-4.3% QoQ
|
+$34.1M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 5.6% in tier |
| Deposits |
$78.3M
-4.7% YoY-1.6% QoQ
|
+$52.6M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 3.5% in tier |
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| ROA |
-0.2%
-7559.2% YoY-14.2% QoQ
|
-0.8% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.1% in tier |
| NIM |
3.5%
+12.6% YoY+1.7% QoQ
|
-0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
34% |
| Efficiency Ratio |
84.0%
+4.1% YoY-0.1% QoQ
|
+1.4% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
3.2%
+24.5% YoY-6.6% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 12.2% in tier |
| Loan To Share |
63.7%
-6.7% YoY-2.8% QoQ
|
+3.1% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
54% |
| AMR |
$19,009
-6.6% YoY-2.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
25.3%
-5.9% YoY-5.8% QoQ
|
+0.8% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
41.3%
-15.9% YoY-3.2% QoQ
|
+27.5% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)