BlastPoint's Credit Union Scorecard
RED CANOE
Charter #68196 · WA
RED CANOE has 3 strengths but faces 7 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
- + Emerging Performer: Top 49.9% in tier
- + Relationship Depth Leader: Top 51.9% in tier
- + Net Interest Margin 0.61% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 31.2% in tier
- - Liquidity Strain: Bottom 37.1% in tier
- - Margin Compression: Bottom 49.9% in tier
- - Credit Risk Growth: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 54.6% in tier
- - Efficiency ratio 2.11% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 5.3% in tier
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 +5.1% year over year ($1.05B in shares and deposits).
- Membership: 60,869 members, +2.5% vs a year ago.
- Delinquency rate 0.60%.
- Return on assets 0.80%.
- Efficiency ratio 75.13% vs a 73.02% peer average.
- Loan-to-share ratio 92.70% 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 |
60,869
+2.5% YoY+0.7% QoQ
|
-36.0K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
16% |
| Assets |
$1.2B
+4.8% YoY+0.1% QoQ
|
$-512.5M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
23% |
| Loans |
$970.5M
+5.9% YoY+1.9% QoQ
|
$-263.7M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$1.0B
+5.1% YoY-0.1% QoQ
|
$-416.4M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
25% |
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| ROA |
0.8%
-14.8% YoY-12.6% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
4.0%
+3.7% YoY+2.1% QoQ
|
+0.6% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
75.1%
+2.0% YoY-0.4% QoQ
|
+2.1% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
58% |
| Delinquency Rate |
0.6%
+26.1% YoY+13.5% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
92.7%
+0.7% YoY+2.0% QoQ
|
+8.0% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
67% |
| AMR |
$33,144
+2.9% YoY+0.2% QoQ
|
+$4K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
77% |
| CD Concentration |
28.0%
+7.0% YoY-0.0% QoQ
|
-1.1% | 29.1% | 22.7% | 20.0% | 46% |
| Indirect Auto % |
15.9%
-0.4% YoY+0.3% QoQ
|
-2.2% | 18.1% | 16.0% | 7.7% | 51% |
Signature Analysis
Strengths (2)
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
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.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)