BlastPoint's Credit Union Scorecard

RED CANOE

Charter #68196 · WA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 8 in WA

View Mid-Market leaderboard →

RED CANOE has 3 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Emerging Performer: Top 30.8% in tier
+ ROA 0.20% above tier average
+ Net Interest Margin 0.60% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 14.2% in tier
- Liquidity Strain: Bottom 35.0% in tier
- Credit Risk Growth: Bottom 45.3% in tier
- Indirect Auto Dependency: Bottom 55.8% in tier
- Efficiency ratio 0.78% above tier (higher cost structure)
- Members Per Employee (MPE): Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	60,463 +1.7% YoY+0.8% QoQ	-35.6K	96,048 -2.7% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	Bottom 14.1% in tier
Assets	$1.2B +4.5% YoY+3.5% QoQ	$-509.8M	$1.7B +0.4% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	22%
Loans	$952.0M +6.5% YoY+1.7% QoQ	$-261.7M	$1.2B +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	34%
Deposits	$1.0B +4.2% YoY+4.2% QoQ	$-417.8M	$1.5B +0.5% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	24%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.9% +15.1% YoY+6.6% QoQ	+0.2%	0.7% +27.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	71%
NIM	3.9% +3.8% YoY-0.6% QoQ	+0.6%	3.4% +6.2% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Top 13.1% in tier
Efficiency Ratio	75.4% -0.1% YoY+3.1% QoQ	+0.8%	74.6% -3.0% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	51%
Delinquency Rate	0.5% +94.7% YoY-17.3% QoQ	-0.2	0.8% +6.9% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	40%
Loan To Share	90.9% +2.2% YoY-2.4% QoQ	+7.7%	83.2% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	68%
AMR	$33,074 +3.6% YoY+2.2% QoQ	+$3K	$29,652 +2.3% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	76%
CD Concentration	28.0% +9.3% YoY-0.2% QoQ	-0.8%	28.8%	22.5%	19.8%	49%
Indirect Auto %	15.8% -1.8% YoY+9.4% QoQ	-2.3%	18.1%	16.1%	7.7%	50%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#59 of 79 • Top 30.8% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.91%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Member Growth (YoY): 1.72%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

79 of 384 Mid-Market CUs have this signature | 260 nationally

→ No prior data (79 CUs now) | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#54 of 225 • Bottom 14.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Credit Risk Growth

risk

#57 of 183 • Bottom 45.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 6.55%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.26% points

(Tier: 0.06% points, National: 0.12% points)

worse than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Liquidity Strain

risk

#120 of 148 • Bottom 35.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 90.87%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 6.55%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#176 of 198 • Bottom 55.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 4.45%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 15.81%

(Tier: 18.07%, National: 7.73%)

but better than tier avg

Member Growth (YoY): 1.72%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank improving

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)

Compare against:

Comparing against 306 peers in tier

Top Strengths (3 metrics)

Net Interest Margin (NIM)

profitability

Value: 3.95%

Peer Median: 3.37%

#40 of 306 Top 12.7% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,746

Peer Median: $12,733

#60 of 306 Top 19.3% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $33,074

Peer Median: $28,178

#74 of 306 Top 23.9% in 1B-3B tier

Top Weaknesses (4 metrics)

289

Members Per Employee (MPE)

engagement

Value: 243.802

Peer Median: 345.077

#289 of 306 Bottom 5.9% in 1B-3B tier

263

Total Members

engagement

Value: 60,463

Peer Median: 85,918

#263 of 306 Bottom 14.4% in 1B-3B tier

238

Total Assets

balance_sheet

Value: $1.21B

Peer Median: $1.51B

#238 of 306 Bottom 22.5% in 1B-3B tier

232

Total Deposits

balance_sheet

Value: $1.05B

Peer Median: $1.31B

#232 of 306 Bottom 24.5% in 1B-3B tier