BlastPoint's Credit Union Scorecard
COLUMBIA COMMUNITY
Charter #68186 · WA
COLUMBIA COMMUNITY has 4 strengths but faces 4 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
- + ROA 0.46% above tier average
- + Net Interest Margin 0.33% above tier average
- + Total Loans: Top 6.7% in tier
- + Efficiency Ratio: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 38.4% in tier
- - Liquidity Strain: Bottom 41.1% in tier
- - Indirect Auto Dependency: Bottom 58.3% in tier
- - Delinquency rate 0.07% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits +3.3% year over year ($2.24B in shares and deposits).
- Membership: 121,930 members, +1.1% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 1.28%.
- Efficiency ratio 59.22% vs a 73.02% peer average.
- Loan-to-share ratio 91.37% vs a 84.71% 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 |
121,930
+1.1% YoY+0.5% QoQ
|
+25.1K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
75% |
| Assets |
$2.6B
+4.3% YoY+0.0% QoQ
|
+$868.0M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 12.0% in tier |
| Loans |
$2.0B
+0.1% YoY+1.2% QoQ
|
+$812.4M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 7.0% in tier |
| Deposits |
$2.2B
+3.3% YoY-0.4% QoQ
|
+$776.7M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 11.3% in tier |
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| ROA |
1.3%
+8.9% YoY-4.6% QoQ
|
+0.5% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Top 14.3% in tier |
| NIM |
3.7%
+3.7% YoY+1.6% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
59.2%
+0.5% YoY-2.0% QoQ
|
-13.8% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Top 7.7% in tier |
| Delinquency Rate |
0.9%
+9.5% YoY+1.2% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
68% |
| Loan To Share |
91.4%
-3.1% YoY+1.6% QoQ
|
+6.7% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
63% |
| AMR |
$35,158
+0.6% YoY-0.1% QoQ
|
+$6K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
83% |
| CD Concentration |
26.8%
+2.2% YoY+3.8% QoQ
|
-2.3% | 29.1% | 22.7% | 20.0% | 42% |
| Indirect Auto % |
28.8%
-8.9% YoY-0.3% QoQ
|
+10.7% | 18.1% | 16.0% | 7.7% | 75% |
Signature Analysis
Strengths (0)
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)