BlastPoint's Credit Union Scorecard
COLUMBIA COMMUNITY
Charter #68186 · WA
COLUMBIA COMMUNITY has 7 strengths but faces 5 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
- + Organic Growth Engine: Top 13.3% in tier
- + Profitability Leader: Top 45.7% in tier
- + Relationship Depth Leader: Top 89.4% in tier
- + ROA 0.56% above tier average
- + Net Interest Margin 0.39% above tier average
- + Efficiency Ratio: Top 3.0% in tier
- + Total Loans: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 5.1% in tier
- - Credit Risk Growth: Bottom 7.7% in tier
- - Indirect Auto Dependency: Bottom 17.0% in tier
- - Liquidity Strain: Bottom 21.6% in tier
- - Delinquency rate 0.06% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
121,550
+3.0% YoY+0.8% QoQ
|
+22.9K |
98,678
-1.9% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$2.5B
+3.2% YoY+1.0% QoQ
|
+$790.5M |
$1.7B
+0.5% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$2.1B
+5.5% YoY+0.9% QoQ
|
+$828.8M |
$1.2B
+0.5% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 7.2% in tier |
| Deposits |
$2.2B
+4.5% YoY+0.6% QoQ
|
+$727.3M |
$1.5B
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 11.2% in tier |
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| ROA |
1.3%
+23.4% YoY+7.5% QoQ
|
+0.6% |
0.7%
+13.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Top 10.2% in tier |
| NIM |
3.7%
+11.6% YoY+1.1% QoQ
|
+0.4% |
3.3%
+9.3% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
76% |
| Efficiency Ratio |
57.7%
-8.9% YoY-2.2% QoQ
|
-16.3% |
74.0%
-10.9% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.0% in tier |
| Delinquency Rate |
0.9%
+66.6% YoY+4.9% QoQ
|
+0.1 |
0.8%
+6.1% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
69% |
| Loan To Share |
94.5%
+0.9% YoY+0.2% QoQ
|
+9.3% |
85.2%
-0.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
72% |
| AMR |
$34,911
+1.9% YoY-0.1% QoQ
|
+$6K |
$29,172
+2.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
26.9%
+5.3% YoY+2.4% QoQ
|
-2.1% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
43% |
| Indirect Auto % |
31.4%
-6.4% YoY-0.6% QoQ
|
+12.7% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
78% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)