BlastPoint's Credit Union Scorecard
MILL TOWN
Charter #68222 · WA
<100M
2508 CUs in <100M nationally
33 in WA
MILL TOWN has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.12% above tier average
- + Net Interest Margin 1.05% above tier average
- + Loan-to-Share Ratio: Top 2.7% in tier
- + Loan-to-Member Ratio (LMR): Top 3.1% in tier
- + Total Loans: Top 6.2% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.11% above tier average
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
- - Net Charge-Off Rate: Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,509
+0.7% YoY-1.5% QoQ
|
+832 |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$59.5M
-5.5% YoY-4.1% QoQ
|
+$29.3M |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
83% |
| Loans |
$46.7M
+8.1% YoY-4.1% QoQ
|
+$31.5M |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 6.2% in tier |
| Deposits |
$45.9M
-6.2% YoY-4.3% QoQ
|
+$20.1M |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
79% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
-1722.9% QoQ
|
+1.1% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
78% |
| NIM |
5.1%
+11.2% YoY+3.0% QoQ
|
+1.1% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 10.8% in tier |
| Efficiency Ratio |
68.8%
-8.0% YoY-15.1% QoQ
|
-21.8% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
2.6%
+1.1% YoY+14.5% QoQ
|
+1.1 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.7% in tier |
| Loan To Share |
101.8%
+15.2% YoY+0.2% QoQ
|
+43.3% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 2.8% in tier |
| AMR |
$26,397
-0.2% YoY-2.7% QoQ
|
+$12K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 6.5% in tier |
| CD Concentration |
28.6%
-15.4% YoY-7.1% QoQ
|
+4.3% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
47.9%
-30.6% YoY-33.6% QoQ
|
+34.1% | 13.8% | 16.1% | 7.7% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (11 metrics)
69
Loan-to-Share Ratio
balance_sheet
Value:
101.84%
Peer Median: 58.72%
#69 of 2508
Top 2.7% in <100M tier
78
Loan-to-Member Ratio (LMR)
engagement
Value:
$13,319
Peer Median: $4,923
#78 of 2508
Top 3.1% in <100M tier
156
Total Loans
balance_sheet
Value:
$46.74M
Peer Median: $9.48M
#156 of 2508
Top 6.2% in <100M tier
164
Average Member Relationship (AMR)
engagement
Value:
$26,397
Peer Median: $13,926
#164 of 2508
Top 6.5% in <100M tier
271
Net Interest Margin (NIM)
profitability
Value:
5.06%
Peer Median: 3.83%
#271 of 2508
Top 10.8% in <100M tier
331
Loan Growth Rate
growth
Value:
8.15%
Peer Median: -2.36%
#331 of 2508
Top 13.2% in <100M tier
392
Net Worth Ratio
risk
Value:
22.54%
Peer Median: 14.28%
#392 of 2508
Top 15.6% in <100M tier
437
Total Assets
balance_sheet
Value:
$59.53M
Peer Median: $21.86M
#437 of 2508
Top 17.4% in <100M tier
526
Total Deposits
balance_sheet
Value:
$45.89M
Peer Median: $18.77M
#526 of 2508
Top 20.9% in <100M tier
542
Return on Assets (ROA)
profitability
Value:
1.26%
Peer Median: 0.61%
#542 of 2508
Top 21.6% in <100M tier
Top Weaknesses (7 metrics)
2467
Indirect Auto Concentration (%)
balance_sheet
Value:
47.86%
Peer Median: 0.00%
#2467 of 2508
Bottom 1.7% in <100M tier
2363
Net Charge-Off Rate
risk
Value:
2.21%
Peer Median: 0.07%
#2363 of 2508
Bottom 5.8% in <100M tier
2194
Asset Growth Rate
growth
Value:
-5.46%
Peer Median: 1.30%
#2194 of 2508
Bottom 12.6% in <100M tier
2166
Total Delinquency Rate (60+ days)
risk
Value:
2.61%
Peer Median: 0.65%
#2166 of 2508
Bottom 13.7% in <100M tier
2160
Deposit Growth Rate
growth
Value:
-6.16%
Peer Median: 0.66%
#2160 of 2508
Bottom 13.9% in <100M tier
2023
Share Certificate Concentration (%)
balance_sheet
Value:
28.56%
Peer Median: 12.45%
#2023 of 2508
Bottom 19.4% in <100M tier
2015
Fee Income Per Member
profitability
Value:
$10.12
Peer Median: $60.42
#2015 of 2508
Bottom 19.7% in <100M tier