BlastPoint's Credit Union Scorecard

TACOMA LONGSHOREMEN

Charter #68229 · WA

1077 CUs in 100M-500M nationally 18 in WA

TACOMA LONGSHOREMEN has 12 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

+ Credit Quality Leader: Top 7.4% in tier
+ Organic Growth Leader: Top 23.2% in tier
+ Organic Growth Engine: Top 25.0% in tier
+ Emerging Performer: Top 99.0% in tier
+ Relationship Depth Leader: Top 99.6% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 0.0% in tier
+ Net Charge-Off Rate: Top 0.4% in tier
+ Total Delinquency Rate (60+ days): Top 2.2% in tier
+ Average Member Relationship (AMR): Top 5.8% in tier
+ Members Per Employee (MPE): Top 7.1% in tier
+ Loan Growth Rate: Top 9.8% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 13.6% in tier
- Credit Quality Pressure: Bottom 24.1% in tier
- ROA 0.23% below tier average
- Net Interest Margin (NIM): Bottom 0.6% in tier
- Total Members: Bottom 1.1% in tier
- Total Loans: Bottom 1.6% in tier
- Fee Income Per Member: Bottom 2.2% in tier
- Loan-to-Share Ratio: Bottom 2.5% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,379 +1.5% YoY+0.4% QoQ	-12.2K	15,628 -3.4% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	Bottom 1.0% in tier
Assets	$115.0M +0.3% YoY+0.3% QoQ	$-116.3M	$231.3M -0.0% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	Bottom 10.7% in tier
Loans	$33.2M +12.3% YoY+4.0% QoQ	$-114.6M	$147.8M -1.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	Bottom 1.5% in tier
Deposits	$99.7M -0.3% YoY+0.1% QoQ	$-100.5M	$200.3M -0.0% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	Bottom 10.8% 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% +163.4% YoY+2.4% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	37%
NIM	1.6% +25.1% YoY+2.2% QoQ	-2.0%	3.6% +6.9% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	Bottom 0.6% in tier
Efficiency Ratio	68.8% -18.0% YoY-0.0% QoQ	-8.5%	77.3% -3.0% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	23%
Delinquency Rate	0.1% -3.9% QoQ	-0.8	0.9% +7.6% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	Bottom 2.2% in tier
Loan To Share	33.3% +12.7% YoY+3.9% QoQ	-39.4%	72.7% -1.5% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	Bottom 2.4% in tier
AMR	$39,342 +1.1% YoY+0.7% QoQ	+$15K	$24,363 +2.9% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 5.9% in tier
CD Concentration	0.0%	-24.4%	24.4% +4.2% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (5)

Credit Quality Leader

growth

#26 of 340 • Top 7.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Organic Growth Leader

growth

#307 of 430 • Top 23.2% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#458 of 603 • Top 25.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.47%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.56%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Emerging Performer

growth

#189 of 191 • Top 99.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 0.56%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Member Growth (YoY): 1.47%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | New qualifier

Relationship Depth Leader

growth

#256 of 257 • Top 99.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.08%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $16.2K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (2)

Credit Risk Growth

risk

#204 of 446 • Bottom 13.6% in tier

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

Why This Signature

Loan Growth (YoY): 12.34%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk

#597 of 736 • Bottom 24.1% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | 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 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.03%

Peer Avg: -

#5 of 1077 Top 0.4% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.05%

Peer Avg: -

#25 of 1077 Top 2.2% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,342

Peer Avg: -

#64 of 1077 Top 5.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 482.714

Peer Avg: -

#77 of 1077 Top 7.1% in 100M-500M tier

107

Loan Growth Rate

growth

Value: 12.34%

Peer Avg: -

#107 of 1077 Top 9.8% in 100M-500M tier

250

Efficiency Ratio

profitability

Value: 68.81%

Peer Avg: -

#250 of 1077 Top 23.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1071

Net Interest Margin (NIM)

profitability

Value: 1.62%

Peer Avg: -

#1071 of 1077 Bottom 0.6% in 100M-500M tier

1066

Total Members

engagement

Value: 3,379

Peer Avg: -

#1066 of 1077 Bottom 1.1% in 100M-500M tier

1061

Total Loans

balance_sheet

Value: $33.19M

Peer Avg: -

#1061 of 1077 Bottom 1.6% in 100M-500M tier

1054

Fee Income Per Member

profitability

Value: $41.36

Peer Avg: -

#1054 of 1077 Bottom 2.2% in 100M-500M tier

1051

Loan-to-Share Ratio

balance_sheet

Value: 33.27%

Peer Avg: -

#1051 of 1077 Bottom 2.5% in 100M-500M tier

962

Total Assets

balance_sheet

Value: $114.98M

Peer Avg: -

#962 of 1077 Bottom 10.8% in 100M-500M tier

961

Total Deposits

balance_sheet

Value: $99.75M

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

896

Deposit Growth Rate

growth

Value: -0.32%

Peer Avg: -

#896 of 1077 Bottom 16.9% in 100M-500M tier

861

Asset Growth Rate

growth

Value: 0.27%

Peer Avg: -

#861 of 1077 Bottom 20.1% in 100M-500M tier

857

First Mortgage Concentration (%)

balance_sheet

Value: 44.86%

Peer Avg: -

#857 of 1077 Bottom 20.5% in 100M-500M tier