BlastPoint's Credit Union Scorecard
CONNECTION
Charter #68254 · WA
CONNECTION has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.83% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.36% below tier average
- - Efficiency ratio 9.67% above tier (higher cost structure)
- - Delinquency rate 0.35% above tier average
- - Indirect Auto Concentration (%): Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,363
-1.9% YoY-0.7% QoQ
|
+737 |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
72% |
| Assets |
$38.4M
-1.1% YoY-3.0% QoQ
|
+$8.6M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
68% |
| Loans |
$24.6M
-13.4% YoY-3.4% QoQ
|
+$8.8M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$33.1M
-2.1% YoY-3.5% QoQ
|
+$7.6M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
68% |
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| ROA |
0.3%
+130.9% YoY+66.1% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
4.8%
-4.6% YoY+2.4% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
80% |
| Efficiency Ratio |
91.1%
+5.1% YoY-0.7% QoQ
|
+9.7% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
1.9%
+83.3% YoY-1.9% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
74.4%
-11.5% YoY+0.1% QoQ
|
+13.1% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
69% |
| AMR |
$17,151
-5.5% YoY-2.8% QoQ
|
+$3K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
68% |
| CD Concentration |
15.0%
-7.9% YoY-13.8% QoQ
|
-9.4% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
12.3%
-28.6% YoY-8.2% QoQ
|
-1.7% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)