BlastPoint's Credit Union Scorecard
SOLARITY
Charter #68061 · WA
SOLARITY has 4 strengths but faces 8 concerns
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How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 34.5% in tier
- + Net Worth Ratio: Top 3.4% in tier
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Total Delinquency Rate (60+ days): Top 6.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1.8% in tier
- - Institutional Decline: Bottom 4.9% in tier
- - Efficiency Drag: Bottom 18.5% in tier
- - Membership Headwinds: Bottom 87.6% in tier
- - Stagnation Risk: Bottom 87.6% in tier
- - ROA 0.58% below tier average
- - Efficiency ratio 12.85% above tier (higher cost structure)
- - Member decline: -4.2% YoY
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,958
-4.2% YoY-0.6% QoQ
|
-5.5K |
51,500
+0.7% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$846.1M
+3.6% YoY+1.4% QoQ
|
$-19.6M |
$865.6M
+0.9% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
43% |
| Loans |
$665.7M
-1.2% YoY+0.5% QoQ
|
+$70.4M |
$595.3M
+1.6% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$650.0M
+3.1% YoY+1.3% QoQ
|
$-92.2M |
$742.2M
+0.6% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 9.4% in tier |
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| ROA |
0.2%
-43.3% YoY-67.9% QoQ
|
-0.6% |
0.8%
+45.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.0% in tier |
| NIM |
3.1%
-2.6% YoY-1.1% QoQ
|
-0.3% |
3.5%
+6.1% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
31% |
| Efficiency Ratio |
88.4%
+4.7% YoY+8.4% QoQ
|
+12.8% |
75.5%
-3.4% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
0.2%
-40.7% YoY-19.5% QoQ
|
-0.5 |
0.7%
-0.1% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
Top 6.0% in tier |
| Loan To Share |
102.4%
-4.2% YoY-0.8% QoQ
|
+21.8% |
80.6%
+0.7% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 4.3% in tier |
| AMR |
$28,628
+5.3% YoY+1.6% QoQ
|
$-280 |
$28,908
+0.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
18.8%
+27.1% YoY+2.1% QoQ
|
-5.5% | 24.3% | 22.5% | 19.8% | 31% |
| Indirect Auto % |
3.3%
-30.0% YoY-13.2% QoQ
|
-10.5% | 13.8% | 16.1% | 7.7% | 42% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)