BlastPoint's Credit Union Scorecard
MILL TOWN
Charter #68222 · WA
MILL TOWN has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.91% above tier average
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 2.6% in tier
- + Loan Growth Rate: Top 4.0% in tier
- + Total Loans: Top 5.2% in tier
- + Average Member Relationship (AMR): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.84% below tier average
- - Efficiency ratio 2.34% above tier (higher cost structure)
- - Delinquency rate 0.72% above tier average
- - Indirect Auto Concentration (%): Bottom 0.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,594
+1.7% YoY+2.6% QoQ
|
+968 |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$62.1M
-0.5% YoY-0.6% QoQ
|
+$32.3M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
84% |
| Loans |
$51.0M
+18.2% YoY+7.8% QoQ
|
+$35.2M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 5.2% in tier |
| Deposits |
$48.0M
-0.3% YoY-1.2% QoQ
|
+$22.5M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
-0.2%
-126.1% YoY+356.1% QoQ
|
-0.8% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 13.0% in tier |
| NIM |
4.8%
+10.9% YoY+4.2% QoQ
|
+0.9% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
83.7%
+19.9% YoY+1.2% QoQ
|
+2.3% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
64% |
| Delinquency Rate |
2.2%
-26.7% YoY-5.9% QoQ
|
+0.7 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
82% |
| Loan To Share |
106.2%
+18.5% YoY+9.1% QoQ
|
+45.0% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Top 2.2% in tier |
| AMR |
$27,543
+6.6% YoY+0.6% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 5.7% in tier |
| CD Concentration |
33.6%
+2.8% YoY-3.4% QoQ
|
+9.2% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
72.9%
+17.0% YoY+1.6% QoQ
|
+59.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)