BlastPoint's Credit Union Scorecard
MILL TOWN
Charter #68222 · WA
MILL TOWN has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.03% above tier average
- + Loan-to-Member Ratio (LMR): Top 4.0% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
- + Total Loans: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Delinquency rate 0.63% above tier average
- - Member decline: -2.3% YoY
- - Indirect Auto Concentration (%): Bottom 0.6% in tier
- - Net Charge-Off Rate: Bottom 5.5% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -4.4% year over year ($46.5M in shares and deposits).
- Membership: 3,423 members, -2.3% vs a year ago.
- Delinquency rate 2.18%.
- Return on assets 0.71%.
- Efficiency ratio 68.85% vs a 88.77% peer average.
- Loan-to-share ratio 92.84% vs a 58.89% 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 |
3,423
-2.3% YoY-2.5% QoQ
|
+837 |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
73% |
| Assets |
$59.9M
-4.2% YoY+0.6% QoQ
|
+$29.6M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
83% |
| Loans |
$43.1M
-8.8% YoY-7.7% QoQ
|
+$27.7M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 8.3% in tier |
| Deposits |
$46.5M
-4.4% YoY+1.3% QoQ
|
+$20.7M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.7%
-44.0% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
45% |
| NIM |
4.9%
+6.0% YoY-2.7% QoQ
|
+1.0% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 12.9% in tier |
| Efficiency Ratio |
68.8%
-16.8% YoY-0.0% QoQ
|
-19.9% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
24% |
| Delinquency Rate |
2.2%
-8.1% YoY-16.6% QoQ
|
+0.6 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
81% |
| Loan To Share |
92.8%
-4.6% YoY-8.8% QoQ
|
+34.0% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 6.8% in tier |
| AMR |
$26,179
-4.4% YoY-0.8% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 7.3% in tier |
| CD Concentration |
30.6%
-12.1% YoY+7.1% QoQ
|
+6.1% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
66.1%
-7.9% YoY+38.2% QoQ
|
+52.5% | 13.6% | 16.0% | 7.7% | 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)