BlastPoint's Credit Union Scorecard

CONNECTION

Charter #68254 · WA

<100M

2508 CUs in <100M nationally 33 in WA

CONNECTION has 3 strengths but faces 4 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.44% above tier average
+ Net Interest Margin 0.44% above tier average
+ Net Charge-Off Rate: Top 8.0% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 6.08% above tier (higher cost structure)
- Delinquency rate 0.36% above tier average
- Member decline: -2.4% YoY
- Indirect Auto Concentration (%): Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,305 -2.4% YoY-0.5% QoQ	+628	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	72%
Assets	$39.6M -1.9% YoY+3.5% QoQ	+$9.4M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	68%
Loans	$23.0M -12.1% YoY-5.1% QoQ	+$7.7M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	75%
Deposits	$34.1M -2.1% YoY+3.7% QoQ	+$8.3M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	69%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% -13.8% YoY+54.3% QoQ	+0.4%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	49%
NIM	4.4% -3.9% YoY-8.3% QoQ	+0.4%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	75%
Efficiency Ratio	96.7% +8.5% YoY+7.4% QoQ	+6.1%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	1.9% +21.9% YoY+7.2% QoQ	+0.4	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	79%
Loan To Share	67.4% -10.2% YoY-8.5% QoQ	+8.9%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	63%
AMR	$17,277 -4.0% YoY+0.5% QoQ	+$2K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	66%
CD Concentration	14.4% -14.3% YoY+0.9% QoQ	-9.9%	24.3%	22.5%	19.8%	50%
Indirect Auto %	11.6% -20.1% YoY-0.4% QoQ	-2.2%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (2 metrics)

201

Net Charge-Off Rate

risk

Value: -0.14%

Peer Median: 0.07%

#201 of 2508 Top 8.0% in <100M tier

618

Total Loans

balance_sheet

Value: $22.99M

Peer Median: $9.48M

#618 of 2508 Top 24.6% in <100M tier

Top Weaknesses (6 metrics)

2312

Indirect Auto Concentration (%)

balance_sheet

Value: 11.59%

Peer Median: 0.00%

#2312 of 2508 Bottom 7.9% in <100M tier

2074

Loan Growth Rate

growth

Value: -12.07%

Peer Median: -2.36%

#2074 of 2508 Bottom 17.3% in <100M tier

2028

Efficiency Ratio

profitability

Value: 96.71%

Peer Median: 81.45%

#2028 of 2508 Bottom 19.2% in <100M tier

2013

Members Per Employee (MPE)

engagement

Value: 220.333

Peer Median: 333.750

#2013 of 2508 Bottom 19.8% in <100M tier

1992

AMR Growth Rate

growth

Value: -4.02%

Peer Median: 1.27%

#1992 of 2508 Bottom 20.6% in <100M tier

1989

Total Delinquency Rate (60+ days)

risk

Value: 1.87%

Peer Median: 0.65%

#1989 of 2508 Bottom 20.7% in <100M tier