BlastPoint's Credit Union Scorecard

QUALSTAR

Charter #68223 · WA

Community 750M-1B

117 CUs in 750M-1B nationally 3 in WA

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QUALSTAR has 8 strengths but faces 6 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 4.4% in tier
+ ROA 0.65% above tier average
+ Net Interest Margin 0.69% above tier average
+ Share Certificate Concentration (%): Top 0.9% in tier
+ AMR Growth Rate: Top 4.3% in tier
+ Efficiency Ratio: Top 5.1% in tier
+ Members Per Employee (MPE): Top 6.0% in tier
+ Net Worth Ratio: Top 6.8% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 94.8% in tier
- Stagnation Risk: Bottom 94.8% in tier
- Delinquency rate 0.59% above tier average
- Member decline: -7.3% YoY
- Net Charge-Off Rate: Bottom 5.1% in tier
- Member Growth Rate: Bottom 8.5% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	62,575 -7.3% YoY+0.3% QoQ	+11.1K	51,500 +0.7% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	80%
Assets	$923.1M +5.7% YoY+2.3% QoQ	+$57.4M	$865.6M +0.9% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	72%
Loans	$559.9M +6.3% YoY-1.3% QoQ	$-35.3M	$595.3M +1.6% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	34%
Deposits	$760.7M +5.0% YoY+2.1% QoQ	+$18.5M	$742.2M +0.6% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	64%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.4% +62.8% YoY+19.1% QoQ	+0.6%	0.8% +45.0% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	Top 12.8% in tier
NIM	4.1% +7.9% YoY+1.0% QoQ	+0.7%	3.5% +6.1% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Top 10.3% in tier
Efficiency Ratio	53.4% -3.1% YoY+4.8% QoQ	-22.1%	75.5% -3.4% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	Top 5.1% in tier
Delinquency Rate	1.3% -29.8% YoY-16.1% QoQ	+0.6	0.7% -0.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Bottom 12.8% in tier
Loan To Share	73.6% +1.2% YoY-3.4% QoQ	-7.0%	80.6% +0.7% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	25%
AMR	$21,104 +13.8% YoY+0.3% QoQ	$-8K	$28,908 +0.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	16%
CD Concentration	5.9% -7.2% YoY-2.4% QoQ	-18.4%	24.3%	22.5%	19.8%	Bottom 4.4% in tier
Indirect Auto %	11.2% +149.6% YoY-5.4% QoQ	-2.6%	13.8%	16.1%	7.7%	55%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#59 of 491 • Top 4.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.84%

(Tier: 3.74%, National: 6.36%)

better than tier avg

637 nationally

↑ Growing +107 CUs YoY | Rank improving

Concerns (2)

Membership Headwinds

decline

#70 of 570 • Bottom 94.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -7.26%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#149 of 570 • Bottom 94.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -7.26%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 6.33%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 1.27%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (9 metrics)

Share Certificate Concentration (%)

balance_sheet

Value: 5.85%

Peer Median: 26.77%

#2 of 117 Top 0.9% in 750M-1B tier

AMR Growth Rate

growth

Value: 13.84%

Peer Median: 3.70%

#6 of 117 Top 4.3% in 750M-1B tier

Efficiency Ratio

profitability

Value: 53.42%

Peer Median: 77.38%

#7 of 117 Top 5.1% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 500.600

Peer Median: 328.468

#8 of 117 Top 6.0% in 750M-1B tier

Net Worth Ratio

risk

Value: 15.92%

Peer Median: 10.69%

#9 of 117 Top 6.8% in 750M-1B tier

Net Interest Margin (NIM)

profitability

Value: 4.14%

Peer Median: 3.47%

#12 of 117 Top 9.4% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.41%

Peer Median: 0.63%

#15 of 117 Top 12.0% in 750M-1B tier

First Mortgage Concentration (%)

balance_sheet

Value: 19.65%

Peer Median: 32.60%

#18 of 117 Top 14.5% in 750M-1B tier

Total Members

engagement

Value: 62,575

Peer Median: 51,712

#24 of 117 Top 19.7% in 750M-1B tier

Top Weaknesses (6 metrics)

112

Net Charge-Off Rate

risk

Value: 1.65%

Peer Median: 0.47%

#112 of 117 Bottom 5.1% in 750M-1B tier

108

Member Growth Rate

growth

Value: -7.26%

Peer Median: 0.97%

#108 of 117 Bottom 8.5% in 750M-1B tier

103

Total Delinquency Rate (60+ days)

risk

Value: 1.27%

Peer Median: 0.56%

#103 of 117 Bottom 12.8% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $21,104

Peer Median: $26,209

#98 of 117 Bottom 17.1% in 750M-1B tier

Fee Income Per Member

profitability

Value: $129.82

Peer Median: $187.56

#95 of 117 Bottom 19.7% in 750M-1B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $8,948

Peer Median: $11,598

#94 of 117 Bottom 20.5% in 750M-1B tier