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 0.17% above tier average
- + Fee Income Per Member: Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.62% below tier average
- - Efficiency ratio 21.39% above tier (higher cost structure)
- - Member decline: -7.6% YoY
- - Indirect Auto Concentration (%): Bottom 1.4% in tier
- - Deposit Growth Rate: Bottom 2.9% in tier
- - Asset Growth Rate: Bottom 3.5% in tier
- - Member Growth Rate: Bottom 8.8% in tier
- - Share Certificate Concentration (%): Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,672
-7.6% YoY-4.0% QoQ
|
+1.1K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
76% |
| Assets |
$24.0M
-11.3% YoY-6.9% QoQ
|
$-6.2M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$15.5M
-13.7% YoY-2.0% QoQ
|
$-240K |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
62% |
| Deposits |
$20.1M
-14.8% YoY-7.6% QoQ
|
$-5.6M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
52% |
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| ROA |
0.0%
-97.8% YoY-102.7% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.1%
+5.2% YoY+11.4% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
60% |
| Efficiency Ratio |
104.0%
+19.7% YoY-3.6% QoQ
|
+21.4% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 8.8% in tier |
| Delinquency Rate |
1.0%
-31.6% YoY+17.8% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
77.3%
+1.3% YoY+6.0% QoQ
|
+16.7% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
74% |
| AMR |
$9,694
-7.3% YoY-1.3% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
27% |
| CD Concentration |
38.3%
-7.1% YoY+6.9% QoQ
|
+13.8% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
53.1%
-12.0% YoY-5.7% QoQ
|
+39.3% | 13.8% | 16.8% | 7.8% | 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)