BlastPoint's Credit Union Scorecard
STRAIT VIEW
Charter #68231 · WA
STRAIT VIEW has 5 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 60.2% in tier
- + ROA 0.01% above tier average
- + Net Interest Margin 0.24% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 2.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.8% in tier
- - Stagnation Risk: Bottom 6.0% in tier
- - Institutional Decline: Bottom 10.4% in tier
- - Cost Spiral: Bottom 23.9% in tier
- - Margin Compression: Bottom 27.2% in tier
- - Member decline: -8.9% YoY
- - Total Assets: Bottom 2.2% in tier
- - Total Loans: Bottom 2.4% in tier
- - Total Deposits: Bottom 2.4% in tier
- - Member Growth Rate: Bottom 4.2% in tier
- - Fee Income Per Member: Bottom 5.7% in tier
- - Loan-to-Share Ratio: Bottom 7.1% in tier
- - Loan Growth Rate: Bottom 7.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,213
-8.9% YoY-7.4% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Bottom 11.7% in tier |
| Assets |
$103.8M
+0.3% YoY-0.9% QoQ
|
$-127.5M |
$231.3M
-0.0% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 2.1% in tier |
| Loans |
$41.1M
-7.0% YoY-2.7% QoQ
|
$-106.7M |
$147.8M
-1.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 2.3% in tier |
| Deposits |
$89.0M
-0.5% YoY-1.2% QoQ
|
$-111.3M |
$200.3M
-0.0% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 2.3% in tier |
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| ROA |
0.8%
-27.1% YoY-2.1% QoQ
|
+0.0% |
0.8%
+15.5% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.8%
+1.3% YoY+1.5% QoQ
|
+0.2% |
3.6%
+6.9% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
64% |
| Efficiency Ratio |
75.8%
+8.2% YoY+2.5% QoQ
|
-1.5% |
77.3%
-3.0% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
46% |
| Delinquency Rate |
0.5%
-42.1% YoY-83.5% QoQ
|
-0.4 |
0.9%
+7.6% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
33% |
| Loan To Share |
46.2%
-6.5% YoY-1.5% QoQ
|
-26.5% |
72.7%
-1.5% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 7.1% in tier |
| AMR |
$18,047
+6.8% YoY+6.1% QoQ
|
$-6K |
$24,363
+2.9% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
23% |
| CD Concentration |
11.5%
-15.6% YoY-7.5% QoQ
|
-12.9% |
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 (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)