BlastPoint's Credit Union Scorecard
SOLARITY
Charter #68061 · WA
SOLARITY has 4 strengths but faces 12 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Credit Quality Leader: Top 16.8% in tier
- + Total Delinquency Rate (60+ days): Top 2.7% in tier
- + Loan-to-Share Ratio: Top 4.5% in tier
- + Net Worth Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 3.9% in tier
- - Membership Headwinds: Bottom 6.6% in tier
- - Institutional Decline: Bottom 8.3% in tier
- - Liquidity Strain: Bottom 11.5% in tier
- - Efficiency Drag: Bottom 26.8% in tier
- - Liquidity Overhang: Bottom 92.5% in tier
- - ROA 0.08% below tier average
- - Efficiency ratio 5.95% above tier (higher cost structure)
- - Member decline: -5.4% YoY
- - Deposit Growth Rate: Bottom 6.2% in tier
- - Total Deposits: Bottom 7.1% in tier
- - Member Growth Rate: Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
46,866
-5.4% YoY-1.2% QoQ
|
-5.2K |
52,114
-2.1% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
37% |
| Assets |
$824.6M
-0.3% YoY+1.3% QoQ
|
$-34.4M |
$859.0M
+0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$665.3M
-1.4% YoY-0.4% QoQ
|
+$61.9M |
$603.4M
+1.0% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$628.7M
-2.7% YoY+0.8% QoQ
|
$-105.5M |
$734.2M
+0.9% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 6.2% in tier |
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| ROA |
0.6%
+30.7% YoY+23.2% QoQ
|
-0.1% |
0.7%
+27.6% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
43% |
| NIM |
3.2%
+7.5% YoY+0.5% QoQ
|
-0.2% |
3.4%
+9.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
38% |
| Efficiency Ratio |
80.5%
-7.7% YoY-3.1% QoQ
|
+5.9% |
74.5%
-3.2% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.1%
-76.7% YoY-72.4% QoQ
|
-0.7 |
0.8%
+5.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 2.7% in tier |
| Loan To Share |
105.8%
+1.3% YoY-1.2% QoQ
|
+23.2% |
82.7%
+0.1% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Top 5.4% in tier |
| AMR |
$27,610
+3.6% YoY+1.4% QoQ
|
$-1K |
$28,651
+2.5% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
57% |
| CD Concentration |
18.2%
+28.6% YoY+4.9% QoQ
|
-6.2% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
28% |
| Indirect Auto % |
4.1%
-26.0% YoY-6.3% QoQ
|
-9.9% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
43% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (6)
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.
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Overhang
riskVery high net worth ratio (>12%). Strong capital position may indicate 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)