BlastPoint's Credit Union Scorecard
PUGET SOUND COOPERATIVE
Charter #68204 · WA
PUGET SOUND COOPERATIVE has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 3.1% in tier
- + Members Per Employee (MPE): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.64% below tier average
- - Efficiency ratio 14.59% above tier (higher cost structure)
- - Member decline: -5.0% YoY
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
- Shares and deposits +6.3% year over year ($241M in shares and deposits).
- Membership: 16,610 members, -5.0% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 0.22%.
- Efficiency ratio 91.32% vs a 76.73% peer average.
- Loan-to-share ratio 83.83% vs a 71.54% 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 |
16,610
-5.0% YoY-1.3% QoQ
|
+1.4K |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$273.8M
+5.9% YoY-2.2% QoQ
|
+$41.7M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
69% |
| Loans |
$202.0M
-9.8% YoY-4.2% QoQ
|
+$55.7M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$240.9M
+6.3% YoY-2.6% QoQ
|
+$40.2M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.2%
-34.9% YoY-11.8% QoQ
|
-0.6% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 9.6% in tier |
| NIM |
2.7%
+0.3% YoY+2.0% QoQ
|
-1.0% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.8% in tier |
| Efficiency Ratio |
91.3%
+4.5% YoY-1.3% QoQ
|
+14.6% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Bottom 9.1% in tier |
| Delinquency Rate |
0.6%
+114.3% YoY-6.4% QoQ
|
-0.3 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
42% |
| Loan To Share |
83.8%
-15.2% YoY-1.6% QoQ
|
+12.3% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
73% |
| AMR |
$26,662
+3.5% YoY-2.0% QoQ
|
+$2K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
69% |
| CD Concentration |
50.3%
+43.7% YoY+1.9% QoQ
|
+25.8% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (5)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)