BlastPoint's Credit Union Scorecard
MILL TOWN
Charter #68222 · WA
MILL TOWN has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.96% above tier average
- + Loan-to-Member Ratio (LMR): Top 3.1% in tier
- + Loan-to-Share Ratio: Top 3.6% in tier
- + Loan Growth Rate: Top 5.3% in tier
- + Average Member Relationship (AMR): Top 5.9% in tier
- + Total Loans: Top 6.2% in tier
- + Member Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Delinquency rate 0.73% above tier average
- - Indirect Auto Concentration (%): Bottom 0.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,563
+3.8% YoY-0.9% QoQ
|
+947 |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
74% |
| Assets |
$62.1M
-0.1% YoY-0.0% QoQ
|
+$32.0M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$48.8M
+16.4% YoY-4.4% QoQ
|
+$33.0M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 6.2% in tier |
| Deposits |
$48.0M
-0.1% YoY-0.1% QoQ
|
+$22.3M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
-0.1%
-111.4% YoY-52.0% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 14.5% in tier |
| NIM |
4.9%
+9.4% YoY+1.5% QoQ
|
+1.0% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
84% |
| Efficiency Ratio |
81.1%
+23.9% YoY-3.2% QoQ
|
-1.5% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
53% |
| Delinquency Rate |
2.3%
-39.7% YoY+2.2% QoQ
|
+0.7 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
101.7%
+16.5% YoY-4.3% QoQ
|
+41.1% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.7% in tier |
| AMR |
$27,142
+3.6% YoY-1.5% QoQ
|
+$12K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 5.9% in tier |
| CD Concentration |
30.7%
-9.0% YoY-8.6% QoQ
|
+6.3% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
72.1%
+5.3% YoY-1.2% QoQ
|
+58.3% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)