BlastPoint's Credit Union Scorecard
STRAIT VIEW
Charter #68231 · WA
STRAIT VIEW has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Net Interest Margin 0.21% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
Key Concerns
Areas that may need attention
- - Shrinking Wallet Share: Bottom 63.3% in tier
- - Margin Compression: Bottom 83.6% in tier
- - Cost Spiral: Bottom 100.0% in tier
- - Total Loans: Bottom 2.5% in tier
- - Total Assets: Bottom 3.4% in tier
- - Total Deposits: Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 6.5% in tier
- - Fee Income Per Member: Bottom 6.6% in tier
- - Loan Growth Rate: Bottom 6.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,203
-0.0% YoY-0.1% QoQ
|
-8.2K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 12.2% in tier |
| Assets |
$105.2M
+1.2% YoY+1.3% QoQ
|
$-126.7M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 3.3% in tier |
| Loans |
$40.6M
-6.9% YoY-1.4% QoQ
|
$-106.8M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.4% in tier |
| Deposits |
$90.2M
+0.4% YoY+1.3% QoQ
|
$-110.6M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 3.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-24.8% YoY+0.9% QoQ
|
+0.0% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
3.8%
+1.3% YoY-0.4% QoQ
|
+0.2% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
62% |
| Efficiency Ratio |
76.8%
+7.5% YoY+1.3% QoQ
|
-0.3% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.5%
-13.5% YoY+12.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
33% |
| Loan To Share |
45.0%
-7.3% YoY-2.7% QoQ
|
-27.3% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.4% in tier |
| AMR |
$18,158
-1.9% YoY+0.6% QoQ
|
$-7K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
13.0%
+2.3% YoY+13.6% QoQ
|
-11.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)