BlastPoint's Credit Union Scorecard
EXPRESS
Charter #68273 · WA
EXPRESS has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Fee Income Per Member: Top 1.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.89% below tier average
- - Efficiency ratio 26.44% above tier (higher cost structure)
- - Member decline: -9.3% YoY
- - Indirect Auto Concentration (%): Bottom 1.3% in tier
- - Member Growth Rate: Bottom 6.7% in tier
- - Loan Growth Rate: Bottom 7.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,825
-9.3% YoY-3.0% QoQ
|
+1.2K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
77% |
| Assets |
$25.8M
-1.2% YoY-2.4% QoQ
|
$-4.1M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
55% |
| Loans |
$15.8M
-17.9% YoY-2.5% QoQ
|
+$76K |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
63% |
| Deposits |
$21.7M
-4.4% YoY-3.2% QoQ
|
$-3.7M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
55% |
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| ROA |
-0.2%
-71.6% YoY-735.8% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 12.2% in tier |
| NIM |
3.7%
-16.9% YoY+6.9% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
107.8%
+13.6% YoY+3.9% QoQ
|
+26.4% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 6.9% in tier |
| Delinquency Rate |
0.8%
-30.8% YoY-6.7% QoQ
|
-0.7 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
56% |
| Loan To Share |
72.9%
-14.1% YoY+0.6% QoQ
|
+11.7% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
67% |
| AMR |
$9,822
-1.5% YoY+0.1% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
28% |
| CD Concentration |
35.8%
-11.6% YoY-26.1% QoQ
|
+11.4% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
56.3%
-9.2% YoY-3.3% QoQ
|
+42.3% |
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)