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 6.8% in tier
- + ROA 0.44% above tier average
- + Net Interest Margin 0.70% above tier average
- + Share Certificate Concentration (%): Top 1.7% in tier
- + AMR Growth Rate: Top 2.6% in tier
- + Efficiency Ratio: Top 3.4% in tier
- + Members Per Employee (MPE): Top 6.0% in tier
- + Net Worth Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 12.8% in tier
- - Stagnation Risk: Bottom 29.1% in tier
- - Delinquency rate 0.63% above tier average
- - Member decline: -7.4% YoY
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Member Growth Rate: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
62,368
-7.4% YoY-8.3% QoQ
|
+10.3K |
52,084
-1.6% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$902.1M
+8.4% YoY+1.2% QoQ
|
+$38.2M |
$863.9M
+0.5% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
63% |
| Loans |
$567.6M
+7.2% YoY+0.9% QoQ
|
$-38.3M |
$605.8M
+1.4% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
30% |
| Deposits |
$744.7M
+8.1% YoY+1.3% QoQ
|
+$7.4M |
$737.3M
+0.1% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
59% |
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| ROA |
1.2%
+8.1% YoY-15.3% QoQ
|
+0.4% |
0.7%
+39.1% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
4.1%
+15.4% YoY+0.3% QoQ
|
+0.7% |
3.4%
+8.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 12.0% in tier |
| Efficiency Ratio |
51.0%
-11.6% YoY-0.3% QoQ
|
-23.4% |
74.3%
-3.6% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 3.4% in tier |
| Delinquency Rate |
1.5%
-37.2% YoY+18.3% QoQ
|
+0.6 |
0.9%
+3.8% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 14.5% in tier |
| Loan To Share |
76.2%
-0.9% YoY-0.4% QoQ
|
-6.3% |
82.6%
+1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
25% |
| AMR |
$21,040
+16.4% YoY+10.3% QoQ
|
$-8K |
$28,873
+2.7% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
6.0%
-9.8% YoY+1.2% QoQ
|
-18.4% | 24.4% | 22.5% | 19.8% | Bottom 4.6% in tier |
| Indirect Auto % |
11.8%
+228.3% YoY-4.6% QoQ
|
-2.0% | 13.8% | 16.8% | 7.8% | 57% |
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)