BlastPoint's Credit Union Scorecard
QUALSTAR
Charter #68223 · WA
QUALSTAR has 9 strengths but faces 7 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 17.3% in tier
- + Profitability Leader: Top 54.0% in tier
- + ROA 0.69% above tier average
- + Net Interest Margin 0.71% above tier average
- + Share Certificate Concentration (%): Top 1.8% in tier
- + Efficiency Ratio: Top 4.5% in tier
- + AMR Growth Rate: Top 5.4% in tier
- + Members Per Employee (MPE): Top 5.4% in tier
- + Net Worth Ratio: Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 6.6% in tier
- - Membership Headwinds: Bottom 14.8% in tier
- - Delinquency rate 0.46% above tier average
- - Member decline: -2.8% YoY
- - Net Charge-Off Rate: Bottom 0.9% in tier
- - Average Member Relationship (AMR): Bottom 8.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
68,046
-2.8% YoY+0.3% QoQ
|
+15.9K |
52,114
-2.1% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Top 13.4% in tier |
| Assets |
$891.4M
+8.4% YoY+2.0% QoQ
|
+$32.4M |
$859.0M
+0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$562.5M
+9.5% YoY+3.1% QoQ
|
$-40.8M |
$603.4M
+1.0% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
30% |
| Deposits |
$735.1M
+7.9% YoY+1.1% QoQ
|
+$972K |
$734.2M
+0.9% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
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| ROA |
1.4%
-1.2% YoY+53.9% QoQ
|
+0.7% |
0.7%
+27.6% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Top 11.6% in tier |
| NIM |
4.1%
+8.2% YoY+2.4% QoQ
|
+0.7% |
3.4%
+9.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 11.6% in tier |
| Efficiency Ratio |
51.1%
-5.2% YoY-4.5% QoQ
|
-23.4% |
74.5%
-3.2% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.5% in tier |
| Delinquency Rate |
1.3%
-39.1% YoY-28.5% QoQ
|
+0.5 |
0.8%
+5.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
81% |
| Loan To Share |
76.5%
+1.4% YoY+2.0% QoQ
|
-6.1% |
82.7%
+0.1% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$19,071
+11.7% YoY+1.7% QoQ
|
$-10K |
$28,651
+2.5% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Bottom 7.1% in tier |
| CD Concentration |
5.9%
-12.9% YoY-4.1% QoQ
|
-18.5% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
Bottom 4.5% in tier |
| Indirect Auto % |
12.4%
-13.5% YoY-6.3% QoQ
|
-1.6% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
58% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (2)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)