BlastPoint's Credit Union Scorecard
TACOMA LONGSHOREMEN
Charter #68229 · WA
1069 CUs in 100M-500M nationally
16 in WA
TACOMA LONGSHOREMEN has 9 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 85.2% in tier
- + Organic Growth Engine: Top 85.3% in tier
- + Emerging Performer: Top 100.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Total Delinquency Rate (60+ days): Top 0.8% in tier
- + Net Charge-Off Rate: Top 4.1% in tier
- + Average Member Relationship (AMR): Top 6.1% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 91.2% in tier
- - Credit Quality Pressure: Bottom 96.5% in tier
- - ROA 0.21% below tier average
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Total Members: Bottom 1.1% in tier
- - Total Loans: Bottom 1.3% in tier
- - Fee Income Per Member: Bottom 1.9% in tier
- - Loan-to-Share Ratio: Bottom 2.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,377
+1.0% YoY-0.1% QoQ
|
-12.1K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 1.0% in tier |
| Assets |
$116.9M
+1.0% YoY+1.6% QoQ
|
$-115.0M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.0% in tier |
| Loans |
$31.8M
+4.4% YoY-4.2% QoQ
|
$-115.6M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 1.2% in tier |
| Deposits |
$101.6M
+0.5% YoY+1.8% QoQ
|
$-99.3M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.6% in tier |
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| ROA |
0.6%
+132.8% YoY-1.7% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
36% |
| NIM |
1.6%
+20.0% YoY+0.6% QoQ
|
-2.0% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
69.2%
-16.8% YoY+0.6% QoQ
|
-7.8% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
24% |
| Delinquency Rate |
0.0%
-73.8% QoQ
|
-0.9 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.8% in tier |
| Loan To Share |
31.3%
+3.9% YoY-5.9% QoQ
|
-40.9% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.2% in tier |
| AMR |
$39,485
+0.4% YoY+0.4% QoQ
|
+$15K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 6.2% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Leader
growth
#363 of 426 • Top 85.2% in tier
Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
1.02%
(Tier:
0.69%, National:
4.32%)
Indirect Auto %:
0.00%
(Tier:
13.79%, National:
7.78%)
426 of 1069 Mid-Small & Community CUs have this signature |
609 nationally
→ No prior data (426 CUs now)
|
New qualifier
Organic Growth Engine
growth
#508 of 595 • Top 85.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
1.02%
(Tier:
0.69%, National:
4.32%)
Return on Assets:
0.55%
(Tier:
0.75%, National:
0.67%)
Indirect Auto %:
0.00%
(Tier:
13.79%, National:
7.78%)
595 of 1069 Mid-Small & Community CUs have this signature |
913 nationally
→ No prior data (595 CUs now)
|
New qualifier
Emerging Performer
growth
#182 of 182 • Top 100.0% 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:
0.55%
(Tier:
0.75%, National:
0.67%)
Member Growth (YoY):
1.02%
(Tier:
0.69%, National:
4.32%)
182 of 1069 Mid-Small & Community CUs have this signature |
282 nationally
→ No prior data (182 CUs now)
|
New qualifier
Concerns (2)
Credit Risk Growth
risk
#416 of 456 • Bottom 91.2% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
4.44%
(Tier:
4.11%, National:
111.96%)
Delinquency Change (YoY):
0.01% points
(Tier:
0.03% points, National:
0.06% points)
456 of 1069 Mid-Small & Community CUs have this signature |
665 nationally
→ No prior data (456 CUs now)
|
New qualifier
Credit Quality Pressure
risk
#680 of 705 • Bottom 96.5% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.01% points
(Tier:
0.03% points, National:
0.06% points)
705 of 1069 Mid-Small & Community CUs have this signature |
969 nationally
↓ Shrinking
-150 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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
10
Total Delinquency Rate (60+ days)
risk
Value:
0.01%
Peer Median: -
#10 of 1069
Top 0.8% in 100M-500M tier
45
Net Charge-Off Rate
risk
Value:
0.03%
Peer Median: -
#45 of 1069
Top 4.1% in 100M-500M tier
66
Average Member Relationship (AMR)
engagement
Value:
$39,485
Peer Median: -
#66 of 1069
Top 6.1% in 100M-500M tier
79
Members Per Employee (MPE)
engagement
Value:
482.429
Peer Median: -
#79 of 1069
Top 7.3% in 100M-500M tier
255
Efficiency Ratio
profitability
Value:
69.23%
Peer Median: -
#255 of 1069
Top 23.8% in 100M-500M tier
Top Weaknesses (11 metrics)
1063
Net Interest Margin (NIM)
profitability
Value:
1.63%
Peer Median: -
#1063 of 1069
Bottom 0.7% in 100M-500M tier
1058
Total Members
engagement
Value:
3,377
Peer Median: -
#1058 of 1069
Bottom 1.1% in 100M-500M tier
1056
Total Loans
balance_sheet
Value:
$31.79M
Peer Median: -
#1056 of 1069
Bottom 1.3% in 100M-500M tier
1050
Fee Income Per Member
profitability
Value:
$41.47
Peer Median: -
#1050 of 1069
Bottom 1.9% in 100M-500M tier
1045
Loan-to-Share Ratio
balance_sheet
Value:
31.30%
Peer Median: -
#1045 of 1069
Bottom 2.3% in 100M-500M tier
951
Total Assets
balance_sheet
Value:
$116.86M
Peer Median: -
#951 of 1069
Bottom 11.1% in 100M-500M tier
945
Total Deposits
balance_sheet
Value:
$101.56M
Peer Median: -
#945 of 1069
Bottom 11.7% in 100M-500M tier
853
Deposit Growth Rate
growth
Value:
0.54%
Peer Median: -
#853 of 1069
Bottom 20.3% in 100M-500M tier
848
First Mortgage Concentration (%)
balance_sheet
Value:
44.55%
Peer Median: -
#848 of 1069
Bottom 20.8% in 100M-500M tier
847
Asset Growth Rate
growth
Value:
1.00%
Peer Median: -
#847 of 1069
Bottom 20.9% in 100M-500M tier