BlastPoint's Credit Union Scorecard
SOLARITY
Charter #68061 · WA
SOLARITY has 3 strengths but faces 9 concerns
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How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Share Ratio: Top 3.4% in tier
- + Total Delinquency Rate (60+ days): Top 5.1% in tier
- + Net Worth Ratio: Top 5.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 19.2% in tier
- - Membership Headwinds: Bottom 25.3% in tier
- - Stagnation Risk: Bottom 37.8% in tier
- - Liquidity Strain: Bottom 38.3% in tier
- - Efficiency Drag: Bottom 81.0% in tier
- - Liquidity Overhang: Bottom 94.0% in tier
- - ROA 0.18% below tier average
- - Efficiency ratio 7.16% above tier (higher cost structure)
- - Member decline: -4.7% YoY
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,252
-4.7% YoY-1.3% QoQ
|
-5.8K |
52,084
-1.6% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
37% |
| Assets |
$834.1M
+2.5% YoY+1.2% QoQ
|
$-29.7M |
$863.9M
+0.5% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
40% |
| Loans |
$662.1M
-2.7% YoY-0.5% QoQ
|
+$56.3M |
$605.8M
+1.4% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
65% |
| Deposits |
$641.4M
+2.4% YoY+2.0% QoQ
|
$-95.9M |
$737.3M
+0.1% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.4% in tier |
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| ROA |
0.6%
+22.8% YoY-10.8% QoQ
|
-0.2% |
0.7%
+39.1% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
3.2%
+3.4% YoY-1.9% QoQ
|
-0.2% |
3.4%
+8.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
33% |
| Efficiency Ratio |
81.5%
-4.8% YoY+1.3% QoQ
|
+7.2% |
74.3%
-3.6% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.2%
-61.7% YoY+116.7% QoQ
|
-0.7 |
0.9%
+3.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 5.1% in tier |
| Loan To Share |
103.2%
-5.0% YoY-2.5% QoQ
|
+20.7% |
82.6%
+1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 4.3% in tier |
| AMR |
$28,183
+4.8% YoY+2.1% QoQ
|
$-690 |
$28,873
+2.7% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
18.4%
+55.1% YoY+0.8% QoQ
|
-6.1% | 24.4% | 22.5% | 19.8% | 28% |
| Indirect Auto % |
3.8%
-25.7% YoY-8.5% QoQ
|
-10.0% | 13.8% | 16.8% | 7.8% | 43% |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskExceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
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)