BlastPoint's Credit Union Scorecard

TACOMA LONGSHOREMEN

Charter #68229 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

TACOMA LONGSHOREMEN has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Total Delinquency Rate (60+ days): Top 1.9% in tier
+ Net Charge-Off Rate: Top 3.6% in tier
+ Average Member Relationship (AMR): Top 6.2% in tier
+ Members Per Employee (MPE): Top 7.4% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Net Interest Margin (NIM): Bottom 0.6% in tier
- Total Members: Bottom 1.1% in tier
- Total Loans: Bottom 1.4% in tier
- Loan-to-Share Ratio: Bottom 2.1% in tier
- Fee Income Per Member: Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,375 +0.1% YoY-0.1% QoQ	-11.8K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	Bottom 1.0% in tier
Assets	$117.4M +0.6% YoY+0.4% QoQ	$-114.3M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	Bottom 12.0% in tier
Loans	$30.8M +1.5% YoY-3.0% QoQ	$-113.3M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Bottom 1.3% in tier
Deposits	$101.8M -0.0% YoY+0.2% QoQ	$-99.4M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	Bottom 11.9% in tier

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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	0.6% +14.1% YoY+14.0% QoQ	-0.1%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	44%
NIM	1.8% +9.5% YoY+9.0% QoQ	-1.9%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Bottom 0.5% in tier
Efficiency Ratio	66.8% -1.9% YoY-3.5% QoQ	-11.2%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	19%
Delinquency Rate	0.0%	-0.7	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Top 1.9% in tier
Loan To Share	30.3% +1.6% YoY-3.2% QoQ	-40.1%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	Bottom 2.1% in tier
AMR	$39,292 +0.2% YoY-0.5% QoQ	+$14K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 6.3% in tier
CD Concentration	0.0%	-24.3%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Quality Pressure

risk

#615 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#459 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.53%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.04% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 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 1070 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 23.10%

#1 of 1070 Top 0.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.04%

Peer Median: 0.61%

#21 of 1070 Top 1.9% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.01%

Peer Median: 0.35%

#40 of 1070 Top 3.6% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,292

Peer Median: $22,931

#67 of 1070 Top 6.2% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 482.143

Peer Median: 309.176

#80 of 1070 Top 7.4% in 100M-500M tier

202

Efficiency Ratio

profitability

Value: 66.78%

Peer Median: 78.68%

#202 of 1070 Top 18.8% in 100M-500M tier

Top Weaknesses (11 metrics)

1065

Net Interest Margin (NIM)

profitability

Value: 1.77%

Peer Median: 3.62%

#1065 of 1070 Bottom 0.6% in 100M-500M tier

1059

Total Members

engagement

Value: 3,375

Peer Median: 13,200

#1059 of 1070 Bottom 1.1% in 100M-500M tier

1056

Total Loans

balance_sheet

Value: $30.84M

Peer Median: $121.41M

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1048

Loan-to-Share Ratio

balance_sheet

Value: 30.31%

Peer Median: 71.88%

#1048 of 1070 Bottom 2.1% in 100M-500M tier

1039

Fee Income Per Member

profitability

Value: $41.35

Peer Median: $154.95

#1039 of 1070 Bottom 3.0% in 100M-500M tier

943

Total Deposits

balance_sheet

Value: $101.77M

Peer Median: $171.29M

#943 of 1070 Bottom 12.0% in 100M-500M tier

942

Total Assets

balance_sheet

Value: $117.38M

Peer Median: $196.57M

#942 of 1070 Bottom 12.1% in 100M-500M tier

874

First Mortgage Concentration (%)

balance_sheet

Value: 46.40%

Peer Median: 29.47%

#874 of 1070 Bottom 18.4% in 100M-500M tier

860

Deposit Growth Rate

growth

Value: -0.02%

Peer Median: 3.30%

#860 of 1070 Bottom 19.7% in 100M-500M tier

841

Asset Growth Rate

growth

Value: 0.61%

Peer Median: 3.91%

#841 of 1070 Bottom 21.5% in 100M-500M tier