BlastPoint's Credit Union Scorecard
EXPRESS
Charter #68273 · WA
EXPRESS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.52% above tier average
- + Fee Income Per Member: Top 6.4% in tier
Key Concerns
Areas that may need attention
- - ROA 4.15% below tier average
- - Efficiency ratio 56.58% above tier (higher cost structure)
- - Delinquency rate 1.12% above tier average
- - Member decline: -7.2% YoY
- - Asset Growth Rate: Bottom 1.2% in tier
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 1.6% in tier
- - AMR Growth Rate: Bottom 8.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,656
-7.2% YoY-0.4% QoQ
|
+979 |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$22.8M
-18.5% YoY-4.8% QoQ
|
$-7.4M |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$15.1M
-11.5% YoY-3.0% QoQ
|
$-231K |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$19.4M
-18.7% YoY-3.5% QoQ
|
$-6.4M |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
51% |
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| ROA |
-4.0%
-769.1% YoY
|
-4.1% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.5% in tier |
| NIM |
5.5%
+64.2% YoY+34.1% QoQ
|
+1.5% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 6.3% in tier |
| Efficiency Ratio |
147.2%
+33.0% YoY+41.6% QoQ
|
+56.6% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
Bottom 3.1% in tier |
| Delinquency Rate |
2.6%
+131.3% YoY+173.3% QoQ
|
+1.1 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 13.5% in tier |
| Loan To Share |
77.7%
+8.8% YoY+0.5% QoQ
|
+19.2% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
79% |
| AMR |
$9,413
-9.2% YoY-2.9% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
25% |
| CD Concentration |
37.0%
-15.7% YoY-3.3% QoQ
|
+12.7% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
50.5%
-14.7% YoY-4.8% QoQ
|
+36.7% | 13.8% | 16.1% | 7.7% | 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)