BlastPoint's Credit Union Scorecard

PUGET SOUND COOPERATIVE

Charter #68204 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

PUGET SOUND COOPERATIVE has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Charge-Off Rate: Top 0.7% in tier
+ Members Per Employee (MPE): Top 3.0% in tier
+ First Mortgage Concentration (%): Top 3.4% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.47% below tier average
- Efficiency ratio 14.52% above tier (higher cost structure)
- Member decline: -4.4% YoY

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	16,835 -4.4% YoY-2.3% QoQ	+1.7K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	66%
Assets	$280.0M +5.1% YoY+3.9% QoQ	+$48.3M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	70%
Loans	$210.8M -7.2% YoY-4.5% QoQ	+$66.7M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	80%
Deposits	$247.3M +5.4% YoY+4.4% QoQ	+$46.2M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	70%

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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	0.3% -6.9% YoY-52.7% QoQ	-0.5%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	20%
NIM	2.6% +2.3% YoY-5.7% QoQ	-1.0%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Bottom 5.7% in tier
Efficiency Ratio	92.5% +3.3% YoY+13.8% QoQ	+14.5%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	Bottom 10.3% in tier
Delinquency Rate	0.6% +127.2% YoY+35.2% QoQ	-0.2	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	50%
Loan To Share	85.2% -12.0% YoY-8.6% QoQ	+14.8%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	79%
AMR	$27,215 +3.7% YoY+2.5% QoQ	+$2K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	71%
CD Concentration	49.4% +55.9% YoY+3.1% QoQ	+25.1%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Efficiency Drag

risk

#80 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 92.55%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.02% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -4.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank improving

Stagnation Risk

risk

#78 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -4.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.61%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#39 of 250 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $279.99M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -4.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -7.20%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Credit Quality Pressure

risk

#196 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.34% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Membership Headwinds

decline

#155 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -4.36%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.09%

Peer Median: 0.35%

#8 of 1070 Top 0.7% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 561.167

Peer Median: 309.176

#33 of 1070 Top 3.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 2.32%

Peer Median: 29.47%

#37 of 1070 Top 3.4% in 100M-500M tier

217

Loan-to-Member Ratio (LMR)

engagement

Value: $12,523

Peer Median: $9,356

#217 of 1070 Top 20.2% in 100M-500M tier

219

Total Loans

balance_sheet

Value: $210.82M

Peer Median: $121.41M

#219 of 1070 Top 20.4% in 100M-500M tier

223

Loan-to-Share Ratio

balance_sheet

Value: 85.23%

Peer Median: 71.88%

#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (7 metrics)

1052

Share Certificate Concentration (%)

balance_sheet

Value: 49.40%

Peer Median: 23.10%

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1038

Fee Income Per Member

profitability

Value: $46.05

Peer Median: $154.95

#1038 of 1070 Bottom 3.1% in 100M-500M tier

1009

Net Interest Margin (NIM)

profitability

Value: 2.60%

Peer Median: 3.62%

#1009 of 1070 Bottom 5.8% in 100M-500M tier

1008

Loan Growth Rate

growth

Value: -7.20%

Peer Median: 2.93%

#1008 of 1070 Bottom 5.9% in 100M-500M tier

961

Efficiency Ratio

profitability

Value: 92.55%

Peer Median: 78.68%

#961 of 1070 Bottom 10.3% in 100M-500M tier

938

Member Growth Rate

growth

Value: -4.36%

Peer Median: -0.06%

#938 of 1070 Bottom 12.4% in 100M-500M tier

859

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: 0.69%

#859 of 1070 Bottom 19.8% in 100M-500M tier