BlastPoint's Credit Union Scorecard

CONNECTION

Charter #68254 · WA

2556 CUs in <100M nationally 33 in WA

CONNECTION has 1 strength but faces 5 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

+ Net Interest Margin 0.89% above tier average

Key Concerns

Areas that may need attention

- ROA 0.24% below tier average
- Efficiency ratio 7.49% above tier (higher cost structure)
- Delinquency rate 0.19% above tier average
- Member decline: -2.1% YoY
- Indirect Auto Concentration (%): Bottom 8.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	3,322 -2.1% YoY-1.2% QoQ	+706	2,615 -1.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	71%
Assets	$38.2M -4.6% YoY-0.5% QoQ	+$8.1M	$30.1M +2.1% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	68%
Loans	$24.2M -11.5% YoY-1.5% QoQ	+$8.5M	$15.8M -1.3% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	76%
Deposits	$32.9M -6.0% YoY-0.6% QoQ	+$7.2M	$25.7M +1.4% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	68%

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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	0.4% +79.3% YoY+18.6% QoQ	-0.2%	0.6% +10.8% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	34%
NIM	4.8% -1.5% YoY+1.8% QoQ	+0.9%	4.0% +4.0% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	82%
Efficiency Ratio	90.1% +3.7% YoY-1.1% QoQ	+7.5%	82.6% -2.3% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	75%
Delinquency Rate	1.7% +198.8% YoY-6.5% QoQ	+0.2	1.6% -3.1% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	75%
Loan To Share	73.7% -5.8% YoY-0.9% QoQ	+13.1%	60.6% -3.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	69%
AMR	$17,194 -6.5% YoY+0.2% QoQ	+$2K	$14,783 -1.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	67%
CD Concentration	14.3% -14.1% YoY-4.7% QoQ	-10.1%	24.4%	22.5%	19.8%	50%
Indirect Auto %	11.6% -24.3% YoY-5.3% QoQ	-2.1%	13.8%	16.8%	7.8%	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 2556 peers in tier

Top Strengths (3 metrics)

457

Net Interest Margin (NIM)

profitability

Value: 4.84%

Peer Median: -

#457 of 2556 Top 17.8% in <100M tier

589

Loan-to-Member Ratio (LMR)

engagement

Value: $7,294

Peer Median: -

#589 of 2556 Top 23.0% in <100M tier

613

Total Loans

balance_sheet

Value: $24.23M

Peer Median: -

#613 of 2556 Top 23.9% in <100M tier

Top Weaknesses (8 metrics)

2345

Indirect Auto Concentration (%)

balance_sheet

Value: 11.64%

Peer Median: -

#2345 of 2556 Bottom 8.3% in <100M tier

2254

AMR Growth Rate

growth

Value: -6.45%

Peer Median: -

#2254 of 2556 Bottom 11.9% in <100M tier

2187

Deposit Growth Rate

growth

Value: -5.97%

Peer Median: -

#2187 of 2556 Bottom 14.5% in <100M tier

2171

Asset Growth Rate

growth

Value: -4.57%

Peer Median: -

#2171 of 2556 Bottom 15.1% in <100M tier

2127

Loan Growth Rate

growth

Value: -11.46%

Peer Median: -

#2127 of 2556 Bottom 16.8% in <100M tier

2057

Members Per Employee (MPE)

engagement

Value: 221.467

Peer Median: -

#2057 of 2556 Bottom 19.6% in <100M tier

1923

Total Delinquency Rate (60+ days)

risk

Value: 1.74%

Peer Median: -

#1923 of 2556 Bottom 24.8% in <100M tier

1921

Efficiency Ratio

profitability

Value: 90.05%

Peer Median: -

#1921 of 2556 Bottom 24.9% in <100M tier