BlastPoint's Credit Union Scorecard

SPOKANE TEACHERS

Charter #68203 · WA

Large 5B-7B

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

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SPOKANE TEACHERS has 5 strengths but faces 4 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

+ Organic Growth Engine: Top 14.9% in tier
+ Net Interest Margin 0.16% above tier average
+ Strong member growth: 7.8% YoY
+ Member Growth Rate: Top 5.9% in tier
+ Total Loans: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 18.8% in tier
- Indirect Auto Dependency: Bottom 22.2% in tier
- ROA 0.43% below tier average
- Efficiency ratio 4.64% above tier (higher cost structure)

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	306,153 +7.8% YoY+0.3% QoQ	+16.4K	289,724 -2.8% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	53%
Assets	$6.4B +8.8% YoY+0.9% QoQ	+$596.5M	$5.8B +0.2% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	79%
Loans	$5.1B +5.4% YoY+0.4% QoQ	+$1.1B	$4.1B -3.1% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	Top 11.8% in tier
Deposits	$5.4B +14.2% YoY+1.4% QoQ	+$535.9M	$4.9B +2.2% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	79%

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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	0.4% -16.9% YoY+33.2% QoQ	-0.4%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	Bottom 8.8% in tier
NIM	3.1% -1.6% YoY-0.0% QoQ	+0.2%	2.9% +3.9% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	56%
Efficiency Ratio	72.8% +7.2% YoY-2.3% QoQ	+4.6%	68.1% -1.7% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	74%
Delinquency Rate	0.4% -32.7% YoY+4.6% QoQ	-0.2	0.6% -2.2% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	32%
Loan To Share	94.8% -7.7% YoY-0.9% QoQ	+11.2%	83.6% -5.7% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	74%
AMR	$34,516 +1.8% YoY+0.6% QoQ	+$118	$34,398 +4.0% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	68%
CD Concentration	19.3% -2.9% YoY-0.9% QoQ	-9.6%	28.9% -1.3% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	Bottom 14.1% in tier
Indirect Auto %	20.8% +6.7% YoY-1.0% QoQ	+4.2%	16.6% -10.3% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	62%

Signature Analysis

Strengths (1)

Organic Growth Engine

growth

#23 of 50 • Top 14.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.75%

(Tier: 3.07%, National: 9.37%)

better than tier avg

Return on Assets: 0.37%

(Tier: 0.91%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 20.76%

(Tier: 16.60%, National: 7.90%)

but worse than tier avg

50 of 64 Large CUs have this signature | 917 nationally

→ Stable (52→50 CUs) -2 CUs YoY | Rank improving

Concerns (2)

Liquidity Strain

risk

#17 of 32 • Bottom 18.8% in tier

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

Why This Signature

Loan-to-Share Ratio: 94.82%

(Tier: 84.48%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 5.42%

(Tier: 4.99%, National: 36.38%)

but better than tier avg

32 of 64 Large CUs have this signature | 484 nationally

→ Stable (27→32 CUs) +5 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#23 of 33 • Bottom 22.2% in tier

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

Why This Signature

Asset Growth (YoY): 8.84%

(Tier: 4.60%, National: 3.04%)

but better than tier avg

Indirect Auto %: 20.76%

(Tier: 16.60%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 7.75%

(Tier: 3.07%, National: 9.37%)

but better than tier avg

33 of 64 Large CUs have this signature | 768 nationally

→ Stable (34→33 CUs) -1 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 34 peers in tier

Top Strengths (9 metrics)

Member Growth Rate

growth

Value: 7.75%

Peer Avg: -

#3 of 34 Top 5.9% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.14B

Peer Avg: -

#4 of 34 Top 8.8% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.25%

Peer Avg: -

#5 of 34 Top 11.8% in 5B-7B tier

Deposit Growth Rate

growth

Value: 14.17%

Peer Avg: -

#6 of 34 Top 14.7% in 5B-7B tier

Total Assets

balance_sheet

Value: $6.39B

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.42B

Peer Avg: -

#7 of 34 Top 17.6% in 5B-7B tier

Asset Growth Rate

growth

Value: 8.84%

Peer Avg: -

#9 of 34 Top 23.5% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 94.82%

Peer Avg: -

#9 of 34 Top 23.5% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,799

Peer Avg: -

#9 of 34 Top 23.5% in 5B-7B tier

Top Weaknesses (2 metrics)

Return on Assets (ROA)

profitability

Value: 0.37%

Peer Avg: -

#31 of 34 Bottom 11.8% in 5B-7B tier

Members Per Employee (MPE)

engagement

Value: 297.814

Peer Avg: -

#31 of 34 Bottom 11.8% in 5B-7B tier