BlastPoint's Credit Union Scorecard

SPOKANE TEACHERS

Charter #68203 · WA

Large 5B-7B

39 CUs in 5B-7B nationally 3 in WA

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SPOKANE TEACHERS has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Large 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 75.8% in tier
+ Net Interest Margin 0.27% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.1% in tier
- Liquidity Strain: Bottom 18.2% in tier
- Credit Risk Growth: Bottom 73.4% in tier
- Shrinking Wallet Share: Bottom 87.5% in tier
- Indirect Auto Dependency: Bottom 90.6% in tier
- ROA 0.26% below tier average
- Efficiency ratio 4.83% above tier (higher cost structure)
- Delinquency rate 0.61% 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 39 credit unions with $5B-$7B in assets nationally, and 1 of 3 that size in Washington.
Shares and deposits +1.5% year over year ($5.43B in shares and deposits).
Membership: 313,593 members, +2.7% vs a year ago.
Delinquency rate 1.39%.
Return on assets 0.67%.
Efficiency ratio 70.01% vs a 65.18% peer average.
Loan-to-share ratio 96.55% vs a 85.64% 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	313,593 +2.7% YoY+1.0% QoQ	+2.7K	310,918 +6.0% YoY	69,472 +6.3% YoY	34,678 +6.6% YoY	54%
Assets	$6.4B +0.7% YoY+0.1% QoQ	+$591.1M	$5.8B -1.1% YoY	$1.3B +8.7% YoY	$593.1M +10.2% YoY	74%
Loans	$5.2B +2.4% YoY+1.1% QoQ	+$1.0B	$4.2B -0.7% YoY	$968.5M +8.7% YoY	$418.6M +10.1% YoY	82%
Deposits	$5.4B +1.5% YoY-0.3% QoQ	+$533.7M	$4.9B -1.3% YoY	$1.1B +8.8% YoY	$504.8M +10.3% YoY	80%

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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	0.7% +138.1% YoY+43.6% QoQ	-0.3%	0.9% +35.3% YoY	0.7% +22.8% YoY	1.2% +121.4% YoY	23%
NIM	3.5% +13.5% YoY+0.6% QoQ	+0.3%	3.2% +9.5% YoY	3.8% +3.6% YoY	3.8% +2.3% YoY	64%
Efficiency Ratio	70.0% -6.0% YoY-4.5% QoQ	+4.8%	65.2% -9.0% YoY	77.5% +0.3% YoY	83.0% -5.3% YoY	67%
Delinquency Rate	1.4% +243.2% YoY+57.6% QoQ	+0.6	0.8% +23.8% YoY	0.9% -3.0% YoY	1.3% +2.6% YoY	Bottom 10.3% in tier
Loan To Share	96.6% +0.9% YoY+1.4% QoQ	+10.9%	85.6% -0.2% YoY	76.2% -1.2% YoY	66.4% -1.4% YoY	82%
AMR	$34,025 -0.8% YoY-0.6% QoQ	+$2K	$32,010 -7.3% YoY	$29,351 +3.2% YoY	$20,028 -0.9% YoY	67%
CD Concentration	20.2% +3.8% YoY+1.5% QoQ	-8.1%	28.3%	22.7%	20.0%	18%
Indirect Auto %	21.2% +1.0% YoY-0.3% QoQ	+4.4%	16.8%	16.0%	7.7%	62%

Signature Analysis

Strengths (1)

Emerging Performer

growth

#18 of 19 • Top 75.8% 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: 0.67%

(Tier: 0.96%, National: 1.23%)

but worse than tier avg

Member Growth (YoY): 2.75%

(Tier: 4.24%, National: 15.67%)

but worse than tier avg

19 of 67 Large CUs have this signature | 283 nationally

→ Stable (18→19 CUs) +1 CUs YoY | New qualifier

Concerns (5)

Credit Quality Pressure

risk

#2 of 33 • Bottom 3.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.99% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

33 of 67 Large CUs have this signature | 962 nationally

→ Stable (37→33 CUs) -4 CUs YoY | Rank improving

Credit Risk Growth

risk

#10 of 28 • Bottom 73.4% in tier

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

Why This Signature

Loan Growth (YoY): 2.36%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

Delinquency Change (YoY): 0.99% points

(Tier: 0.07% points, National: 0.08% points)

worse than tier avg

28 of 67 Large CUs have this signature | 688 nationally

→ Stable (31→28 CUs) -3 CUs YoY | Rank improving

Liquidity Strain

risk

#13 of 28 • Bottom 18.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 96.55%

(Tier: 84.03%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 2.36%

(Tier: 7.79%, National: 78.26%)

worse than tier avg

28 of 67 Large CUs have this signature | 432 nationally

→ Stable (27→28 CUs) +1 CUs YoY

Shrinking Wallet Share

decline

#9 of 11 • Bottom 87.5% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -0.82%

(Tier: 4.16%, National: 35.20%)

worse than tier avg

11 of 67 Large CUs have this signature | 308 nationally

→ Stable (11→11 CUs) | New qualifier

Indirect Auto Dependency

risk

#31 of 35 • Bottom 90.6% in tier

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

Why This Signature

Asset Growth (YoY): 0.69%

(Tier: 8.71%, National: 3.30%)

worse than tier avg

Indirect Auto %: 21.17%

(Tier: 16.81%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 2.75%

(Tier: 4.24%, National: 15.67%)

worse than tier avg

35 of 67 Large CUs have this signature | 714 nationally

→ Stable (33→35 CUs) +2 CUs YoY | Rank worsening

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 39 peers in tier

Top Strengths (6 metrics)

Total Loans

balance_sheet

Value: $5.24B

Peer Median: $4.31B

#7 of 39 Top 15.4% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 96.55%

Peer Median: 89.91%

#7 of 39 Top 15.4% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.17%

Peer Median: 29.09%

#7 of 39 Top 15.4% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.43B

Peer Median: $4.80B

#8 of 39 Top 17.9% in 5B-7B tier

Total Assets

balance_sheet

Value: $6.38B

Peer Median: $5.68B

#10 of 39 Top 23.1% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,714

Peer Median: $13,956

#10 of 39 Top 23.1% in 5B-7B tier

Top Weaknesses (5 metrics)

Members Per Employee (MPE)

engagement

Value: 302.696

Peer Median: 423.198

#37 of 39 Bottom 7.7% in 5B-7B tier

Asset Growth Rate

growth

Value: 0.69%

Peer Median: 6.34%

#36 of 39 Bottom 10.3% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 1.39%

Peer Median: 0.67%

#36 of 39 Bottom 10.3% in 5B-7B tier

Deposit Growth Rate

growth

Value: 1.47%

Peer Median: 6.19%

#35 of 39 Bottom 12.8% in 5B-7B tier

AMR Growth Rate

growth

Value: -0.82%

Peer Median: 2.28%

#34 of 39 Bottom 15.4% in 5B-7B tier