BlastPoint's Credit Union Scorecard

SPOKANE TEACHERS

Charter #68203 · WA

Large 5B-7B

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

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SPOKANE TEACHERS has 3 strengths but faces 7 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

+ Net Interest Margin 0.30% above tier average
+ Strong member growth: 7.5% YoY
+ Member Growth Rate: Top 5.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 3.1% in tier
- Liquidity Strain: Bottom 15.2% in tier
- Indirect Auto Dependency: Bottom 37.5% in tier
- Credit Risk Growth: Bottom 51.6% in tier
- ROA 0.39% below tier average
- Efficiency ratio 6.71% above tier (higher cost structure)
- Delinquency rate 0.18% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	310,577 +7.5% YoY+1.0% QoQ	+2.8K	307,793 +7.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	54%
Assets	$6.4B +7.6% YoY+0.9% QoQ	+$606.1M	$5.8B -0.2% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	73%
Loans	$5.2B +4.6% YoY+0.4% QoQ	+$1.0B	$4.2B +0.4% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Top 13.5% in tier
Deposits	$5.4B +11.8% YoY+1.7% QoQ	+$549.9M	$4.9B +0.2% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	81%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +27.3% YoY+18.8% QoQ	-0.4%	0.9% +47.0% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	22%
NIM	3.5% +12.0% YoY+9.5% QoQ	+0.3%	3.2% +9.8% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	68%
Efficiency Ratio	73.3% -1.2% YoY-0.1% QoQ	+6.7%	66.6% -11.0% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.9% +175.8% YoY+91.4% QoQ	+0.2	0.7% +23.3% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	76%
Loan To Share	95.2% -6.4% YoY-1.3% QoQ	+10.5%	84.7% -0.7% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	84%
AMR	$34,223 +0.7% YoY+0.1% QoQ	+$2K	$32,237 -7.3% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	68%
CD Concentration	19.9% +2.5% YoY+1.0% QoQ	-8.8%	28.6%	22.5%	19.8%	15%
Indirect Auto %	21.2% -0.8% YoY+1.9% QoQ	+4.9%	16.4%	16.1%	7.7%	64%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Quality Pressure

risk

#2 of 42 • 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): 0.56% points

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

worse than tier avg

42 of 66 Large CUs have this signature | 1013 nationally

→ Stable (39→42 CUs) +3 CUs YoY | Rank improving

Credit Risk Growth

risk

#11 of 35 • Bottom 51.6% in tier

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

Why This Signature

Loan Growth (YoY): 4.65%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.56% points

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

worse than tier avg

35 of 66 Large CUs have this signature | 710 nationally

→ No prior data (35 CUs now) | New qualifier

Liquidity Strain

risk

#12 of 26 • Bottom 15.2% in tier

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

Why This Signature

Loan-to-Share Ratio: 95.18%

(Tier: 82.82%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 4.65%

(Tier: 7.53%, National: 1.74%)

worse than tier avg

26 of 66 Large CUs have this signature | 367 nationally

→ Stable (27→26 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#28 of 34 • Bottom 37.5% in tier

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

Why This Signature

Asset Growth (YoY): 7.65%

(Tier: 8.53%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.23%

(Tier: 16.37%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 7.48%

(Tier: 4.32%, National: 10.19%)

but better than tier avg

34 of 66 Large CUs have this signature | 745 nationally

→ Stable (34→34 CUs) | 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 37 peers in tier

Top Strengths (8 metrics)

Member Growth Rate

growth

Value: 7.48%

Peer Median: 2.61%

#3 of 37 Top 5.4% in 5B-7B tier

Deposit Growth Rate

growth

Value: 11.78%

Peer Median: 7.47%

#5 of 37 Top 10.8% in 5B-7B tier

Total Loans

balance_sheet

Value: $5.18B

Peer Median: $4.22B

#5 of 37 Top 10.8% in 5B-7B tier

Share Certificate Concentration (%)

balance_sheet

Value: 19.86%

Peer Median: 29.06%

#5 of 37 Top 10.8% in 5B-7B tier

Loan-to-Share Ratio

balance_sheet

Value: 95.18%

Peer Median: 88.96%

#6 of 37 Top 13.5% in 5B-7B tier

Total Deposits

balance_sheet

Value: $5.45B

Peer Median: $4.75B

#7 of 37 Top 16.2% in 5B-7B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,689

Peer Median: $13,954

#9 of 37 Top 21.6% in 5B-7B tier

Total Assets

balance_sheet

Value: $6.38B

Peer Median: $5.68B

#10 of 37 Top 24.3% in 5B-7B tier

Top Weaknesses (4 metrics)

Members Per Employee (MPE)

engagement

Value: 297.203

Peer Median: 416.780

#34 of 37 Bottom 10.8% in 5B-7B tier

Fee Income Per Member

profitability

Value: $138.38

Peer Median: $194.06

#33 of 37 Bottom 13.5% in 5B-7B tier

Return on Assets (ROA)

profitability

Value: 0.47%

Peer Median: 0.75%

#29 of 37 Bottom 24.3% in 5B-7B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.88%

Peer Median: 0.65%

#29 of 37 Bottom 24.3% in 5B-7B tier