BlastPoint's Credit Union Scorecard
RED CANOE
Charter #68196 · WA
RED CANOE has 4 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 23.8% in tier
- + Organic Growth Leader: Top 34.4% in tier
- + ROA 0.31% above tier average
- + Net Interest Margin 0.68% above tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 9.2% in tier
- - Credit Quality Pressure: Bottom 14.4% in tier
- - Liquidity Strain: Bottom 22.9% in tier
- - Indirect Auto Dependency: Bottom 30.2% in tier
- - Members Per Employee (MPE): Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
59,797
+0.5% YoY+0.7% QoQ
|
-38.9K |
98,678
-1.9% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Bottom 13.8% in tier |
| Assets |
$1.2B
+1.8% YoY+0.6% QoQ
|
$-556.3M |
$1.7B
+0.5% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$928.1M
+9.1% YoY+1.2% QoQ
|
$-305.0M |
$1.2B
+0.5% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$1.0B
+0.8% YoY+0.6% QoQ
|
$-452.5M |
$1.5B
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
19% |
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| ROA |
1.0%
+88.6% YoY+7.9% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
77% |
| NIM |
3.9%
+20.8% YoY+1.3% QoQ
|
+0.7% |
3.3%
+9.3% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
73.3%
-9.4% YoY-0.5% QoQ
|
-0.7% |
74.0%
-10.9% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
0.6%
+27.9% YoY+21.9% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
38% |
| Loan To Share |
92.6%
+8.2% YoY+0.6% QoQ
|
+7.4% |
85.2%
-0.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
65% |
| AMR |
$32,275
+4.1% YoY+0.2% QoQ
|
+$3K |
$29,172
+2.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
26.9%
+2.4% YoY+2.6% QoQ
|
-2.1% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
42% |
| Indirect Auto % |
15.7%
-5.9% YoY-1.7% QoQ
|
-3.1% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
49% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)