TACOMA LONGSHOREMEN

Charter #68229 | WA

100M-500M (1077 CUs) Micro
18 100M-500M in WA

TACOMA LONGSHOREMEN has 12 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 16.4% in tier
  • + Emerging Performer: Top 17.6% in tier
  • + Organic Growth Leader: Top 23.2% in tier
  • + Organic Growth Engine: Top 25.0% in tier
  • + Wallet Share Momentum: Top 34.7% 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

  • - Liquidity Overhang: Bottom 7.8% in tier
  • - Growth-at-Risk: 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
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
 37th in tier
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
 Bottom 23.1% in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 17.1%
-8.4% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Relationship Depth Leader

growth
#453 of 1006 • Top 16.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

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
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Emerging Performer

growth
#330 of 627 • Top 17.6% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

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
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#307 of 430 • Top 23.2% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.47%
(Tier: 0.88%, National: 9.37%)
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: 13.96%, 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

Wallet Share Momentum

growth
#956 of 1006 • Top 34.7% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 1.08%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Liquidity Overhang

risk
#122 of 552 • Bottom 7.8% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.37%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 33.27%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Growth-at-Risk

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: 3.64%, 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)

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
1
Share Certificate Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 23.61%
#1 of 1077 Top 0.0% in 100M-500M tier
5
Net Charge-Off Rate
risk
Value: -0.03%
Peer Avg: 0.47%
#5 of 1077 Top 0.4% in 100M-500M tier
25
Total Delinquency Rate (60+ days)
risk
Value: 0.05%
Peer Avg: 0.86%
#25 of 1077 Top 2.2% in 100M-500M tier
64
Average Member Relationship (AMR)
engagement
Value: $39,342
Peer Avg: $24,363
#64 of 1077 Top 5.8% in 100M-500M tier
77
Members Per Employee (MPE)
engagement
Value: 482.714
Peer Avg: 332.881
#77 of 1077 Top 7.1% in 100M-500M tier
107
Loan Growth Rate
growth
Value: 12.34%
Peer Avg: 3.45%
#107 of 1077 Top 9.8% in 100M-500M tier
250
Efficiency Ratio
profitability
Value: 68.81%
Peer Avg: 77.28%
#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: 3.58%
#1071 of 1077 Bottom 0.6% in 100M-500M tier
1066
Total Members
engagement
Value: 3,379
Peer Avg: 15,628
#1066 of 1077 Bottom 1.1% in 100M-500M tier
1061
Total Loans
balance_sheet
Value: $33.19M
Peer Avg: $147.80M
#1061 of 1077 Bottom 1.6% in 100M-500M tier
1054
Fee Income Per Member
profitability
Value: $41.36
Peer Avg: $174.31
#1054 of 1077 Bottom 2.2% in 100M-500M tier
1051
Loan-to-Share Ratio
balance_sheet
Value: 33.27%
Peer Avg: 72.70%
#1051 of 1077 Bottom 2.5% in 100M-500M tier
962
Total Assets
balance_sheet
Value: $114.98M
Peer Avg: $231.30M
#962 of 1077 Bottom 10.8% in 100M-500M tier
961
Total Deposits
balance_sheet
Value: $99.75M
Peer Avg: $200.29M
#961 of 1077 Bottom 10.9% in 100M-500M tier
896
Deposit Growth Rate
growth
Value: -0.32%
Peer Avg: 4.69%
#896 of 1077 Bottom 16.9% in 100M-500M tier
861
Asset Growth Rate
growth
Value: 0.27%
Peer Avg: 4.70%
#861 of 1077 Bottom 20.1% in 100M-500M tier
857
First Mortgage Concentration (%)
balance_sheet
Value: 44.86%
Peer Avg: 30.43%
#857 of 1077 Bottom 20.5% in 100M-500M tier