BlastPoint's Credit Union Scorecard
QUALSTAR
Charter #68223 · WA
QUALSTAR has 8 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 4.3% in tier
- + ROA 0.57% above tier average
- + Net Interest Margin 0.58% above tier average
- + Share Certificate Concentration (%): Top 0.1% in tier
- + Efficiency Ratio: Top 3.6% in tier
- + AMR Growth Rate: Top 4.5% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + Net Worth Ratio: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 94.7% in tier
- - Stagnation Risk: Bottom 94.7% in tier
- - Delinquency rate 0.61% above tier average
- - Member decline: -7.3% YoY
- - Net Charge-Off Rate: Bottom 4.5% in tier
- - Member Growth Rate: Bottom 9.9% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Washington.
- Shares and deposits +6.5% year over year ($775M in shares and deposits).
- Membership: 62,877 members, -7.3% vs a year ago.
- Delinquency rate 1.41%.
- Return on assets 1.41%.
- Efficiency ratio 51.92% vs a 74.54% peer average.
- Loan-to-share ratio 73.23% vs a 82.60% 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 |
62,877
-7.3% YoY+0.5% QoQ
|
+10.4K |
52,482
+1.3% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
78% |
| Assets |
$939.3M
+7.5% YoY+1.8% QoQ
|
+$75.4M |
$863.9M
+0.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$567.2M
+4.0% YoY+1.3% QoQ
|
$-40.6M |
$607.8M
+2.1% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
33% |
| Deposits |
$774.6M
+6.5% YoY+1.8% QoQ
|
+$34.7M |
$739.9M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
1.4%
+55.5% YoY+0.2% QoQ
|
+0.6% |
0.8%
+30.4% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
85% |
| NIM |
4.1%
+2.5% YoY-1.2% QoQ
|
+0.6% |
3.5%
+6.2% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 13.5% in tier |
| Efficiency Ratio |
51.9%
-3.0% YoY-2.8% QoQ
|
-22.6% |
74.5%
-1.4% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Top 3.6% in tier |
| Delinquency Rate |
1.4%
-21.1% YoY+11.3% QoQ
|
+0.6 |
0.8%
+1.0% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
85% |
| Loan To Share |
73.2%
-2.4% YoY-0.5% QoQ
|
-9.4% |
82.6%
+1.9% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
21% |
| AMR |
$21,340
+13.8% YoY+1.1% QoQ
|
$-7K |
$28,702
+0.4% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
5.7%
-8.2% YoY-3.1% QoQ
|
-18.9% | 24.6% | 22.7% | 20.0% | Bottom 4.1% in tier |
| Indirect Auto % |
10.5%
-20.7% YoY-6.3% QoQ
|
-3.1% | 13.6% | 16.0% | 7.7% | 55% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)