BlastPoint's Credit Union Scorecard
STRAIT VIEW
Charter #68231 · WA
STRAIT VIEW has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.15% above tier average
- + Net Interest Margin 0.05% above tier average
- + Members Per Employee (MPE): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Total Loans: Bottom 2.5% in tier
- - Total Deposits: Bottom 3.8% in tier
- - Total Assets: Bottom 4.4% in tier
- - Loan Growth Rate: Bottom 5.6% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
- - Loan-to-Share Ratio: Bottom 6.8% in tier
- - Fee Income Per Member: Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,462
+3.2% YoY+3.6% QoQ
|
-7.7K |
15,145
-2.5% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
Bottom 14.6% in tier |
| Assets |
$105.7M
+2.3% YoY+0.5% QoQ
|
$-126.0M |
$231.7M
+0.8% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.3% in tier |
| Loans |
$39.6M
-7.5% YoY-2.5% QoQ
|
$-104.6M |
$144.1M
+0.2% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.4% in tier |
| Deposits |
$90.5M
+1.9% YoY+0.3% QoQ
|
$-110.6M |
$201.1M
+0.4% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Bottom 3.7% in tier |
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| ROA |
0.9%
+8.5% YoY+9.5% QoQ
|
+0.1% |
0.7%
+5.1% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
62% |
| NIM |
3.7%
-1.2% YoY-3.4% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
54% |
| Efficiency Ratio |
73.7%
-0.9% YoY-4.0% QoQ
|
-4.4% |
78.0%
-1.7% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
0.5%
-28.0% YoY-3.4% QoQ
|
-0.3 |
0.8%
+7.1% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
41% |
| Loan To Share |
43.7%
-9.2% YoY-2.8% QoQ
|
-26.7% |
70.4%
-0.4% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.7% in tier |
| AMR |
$17,432
-4.2% YoY-4.0% QoQ
|
$-7K |
$24,918
+2.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
18% |
| CD Concentration |
14.8%
+20.0% YoY+13.1% QoQ
|
-9.5% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.1% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
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)