BlastPoint's Credit Union Scorecard
SPOKANE TEACHERS
Charter #68203 · WA
SPOKANE TEACHERS has 6 strengths but faces 6 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 43.4% in tier
- + Net Interest Margin 0.11% above tier average
- + Strong member growth: 7.5% YoY
- + Member Growth Rate: Top 5.7% in tier
- + Total Loans: Top 8.6% in tier
- + Share Certificate Concentration (%): Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 31.2% in tier
- - Credit Risk Growth: Bottom 60.0% in tier
- - Credit Quality Pressure: Bottom 69.4% in tier
- - Indirect Auto Dependency: Bottom 79.4% in tier
- - ROA 0.43% below tier average
- - Efficiency ratio 6.06% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
307,622
+7.5% YoY+0.5% QoQ
|
+15.3K |
292,342
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
54% |
| Assets |
$6.3B
+8.0% YoY-1.1% QoQ
|
+$576.6M |
$5.7B
-0.2% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
77% |
| Loans |
$5.2B
+5.5% YoY+0.4% QoQ
|
+$996.9M |
$4.2B
-1.6% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 11.4% in tier |
| Deposits |
$5.4B
+11.1% YoY-1.3% QoQ
|
+$507.3M |
$4.8B
+0.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.4%
+57.8% YoY+4.8% QoQ
|
-0.4% |
0.8%
+27.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.3% in tier |
| NIM |
3.2%
+1.8% YoY+3.0% QoQ
|
+0.1% |
3.0%
+8.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
73.3%
+4.2% YoY+0.8% QoQ
|
+6.1% |
67.3%
-3.7% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
80% |
| Delinquency Rate |
0.5%
+14.3% YoY+8.8% QoQ
|
-0.3 |
0.8%
+17.5% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
96.4%
-5.1% YoY+1.7% QoQ
|
+10.5% |
85.9%
-2.6% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 14.3% in tier |
| AMR |
$34,188
+0.8% YoY-1.0% QoQ
|
$-101 |
$34,289
+3.5% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
69% |
| CD Concentration |
19.7%
-0.1% YoY+2.2% QoQ
|
-9.5% | 29.1% | 22.5% | 19.8% | Bottom 13.4% in tier |
| Indirect Auto % |
20.8%
+4.7% YoY+0.4% QoQ
|
+3.7% | 17.1% | 16.8% | 7.8% | 60% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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.
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)