BlastPoint's Credit Union Scorecard

SOLARITY

Charter #68061 · WA

Community 750M-1B

111 CUs in 750M-1B nationally 3 in WA

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SOLARITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Loan-to-Share Ratio: Top 1.8% in tier
+ Net Worth Ratio: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.9% in tier
- Efficiency Drag: Bottom 18.3% in tier
- Credit Quality Pressure: Bottom 39.0% in tier
- Credit Risk Growth: Bottom 64.0% in tier
- Membership Headwinds: Bottom 86.7% in tier
- Stagnation Risk: Bottom 86.7% in tier
- ROA 0.84% below tier average
- Efficiency ratio 12.08% above tier (higher cost structure)

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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Washington.
Shares and deposits -0.8% year over year ($619M in shares and deposits).
Membership: 45,534 members, -4.0% vs a year ago.
Delinquency rate 0.44%.
Return on assets 0.00%.
Efficiency ratio 86.62% vs a 74.54% peer average.
Loan-to-share ratio 109.21% vs a 82.60% 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	45,534 -4.0% YoY-0.9% QoQ	-6.9K	52,482 +1.3% YoY	69,472 +6.3% YoY	34,678 +6.6% YoY	36%
Assets	$803.5M -1.3% YoY-5.0% QoQ	$-60.4M	$863.9M +0.5% YoY	$1.3B +8.7% YoY	$593.1M +10.2% YoY	22%
Loans	$675.7M +1.1% YoY+1.5% QoQ	+$67.9M	$607.8M +2.1% YoY	$968.5M +8.7% YoY	$418.6M +10.1% YoY	69%
Deposits	$618.8M -0.8% YoY-4.8% QoQ	$-121.2M	$739.9M +0.2% YoY	$1.1B +8.8% YoY	$504.8M +10.3% YoY	Bottom 5.4% in tier

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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	0.0% -99.2% YoY-97.6% QoQ	-0.8%	0.8% +30.4% YoY	0.7% +22.8% YoY	1.2% +121.4% YoY	Bottom 0.1% in tier
NIM	3.3% +3.0% YoY+5.6% QoQ	-0.2%	3.5% +6.2% YoY	3.8% +3.6% YoY	3.8% +2.3% YoY	32%
Efficiency Ratio	86.6% +4.3% YoY-2.0% QoQ	+12.1%	74.5% -1.4% YoY	77.5% +0.3% YoY	83.0% -5.3% YoY	Bottom 10.8% in tier
Delinquency Rate	0.4% +25.8% YoY+161.3% QoQ	-0.4	0.8% +1.0% YoY	0.9% -3.0% YoY	1.3% +2.6% YoY	26%
Loan To Share	109.2% +1.9% YoY+6.6% QoQ	+26.6%	82.6% +1.9% YoY	76.2% -1.2% YoY	66.4% -1.4% YoY	Top 2.7% in tier
AMR	$28,429 +4.4% YoY-0.7% QoQ	$-273	$28,702 +0.4% YoY	$29,351 +3.2% YoY	$20,028 -0.9% YoY	60%
CD Concentration	19.2% +10.6% YoY+2.4% QoQ	-5.3%	24.6%	22.7%	20.0%	31%
Indirect Auto %	2.8% -36.2% YoY-14.3% QoQ	-10.8%	13.6%	16.0%	7.7%	41%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Liquidity Strain

risk

#57 of 224 • Bottom 0.9% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 109.21%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 1.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

224 of 276 Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank improving

Membership Headwinds

decline

#172 of 549 • Bottom 86.7% in tier

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

Why This Signature

Member Growth (YoY): -4.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Stagnation Risk

risk

#250 of 549 • Bottom 86.7% 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): -4.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 1.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 0.44%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#503 of 693 • Bottom 39.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | Rank worsening

Efficiency Drag

risk

#424 of 531 • Bottom 18.3% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 86.62%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.51% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -4.03%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Risk Growth

risk

#440 of 472 • Bottom 64.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.12%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.09% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | 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 111 peers in tier

Top Strengths (4 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 109.21%

Peer Median: 84.77%

#3 of 111 Top 1.8% in 750M-1B tier

Net Worth Ratio

risk

Value: 17.60%

Peer Median: 10.80%

#5 of 111 Top 3.6% in 750M-1B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.21%

Peer Median: 27.05%

#17 of 111 Top 14.4% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $14,840

Peer Median: $11,611

#27 of 111 Top 23.4% in 750M-1B tier

Top Weaknesses (8 metrics)

111

Return on Assets (ROA)

profitability

Value: 0.00%

Peer Median: 0.81%

#111 of 111 Bottom 0.9% in 750M-1B tier

105

Deposit Growth Rate

growth

Value: -0.78%

Peer Median: 4.45%

#105 of 111 Bottom 6.3% in 750M-1B tier

105

Total Deposits

balance_sheet

Value: $618.76M

Peer Median: $737.84M

#105 of 111 Bottom 6.3% in 750M-1B tier

104

Asset Growth Rate

growth

Value: -1.28%

Peer Median: 4.77%

#104 of 111 Bottom 7.2% in 750M-1B tier

100

Efficiency Ratio

profitability

Value: 86.62%

Peer Median: 75.82%

#100 of 111 Bottom 10.8% in 750M-1B tier

Member Growth Rate

growth

Value: -4.03%

Peer Median: 1.14%

#97 of 111 Bottom 13.5% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.81%

Peer Median: 0.47%

#88 of 111 Bottom 21.6% in 750M-1B tier

Total Assets

balance_sheet

Value: $803.52M

Peer Median: $860.94M

#86 of 111 Bottom 23.4% in 750M-1B tier