BlastPoint's Credit Union Scorecard

BLUE MOUNTAIN

Charter #68280 · WA

<100M

2508 CUs in <100M nationally 33 in WA

BLUE MOUNTAIN has 1 strength but faces 1 concern

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 0.63% above tier average

Key Concerns

Areas that may need attention

- First Mortgage Concentration (%): Bottom 3.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	4,455 -0.9% YoY-0.8% QoQ	+1.8K	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	83%
Assets	$55.8M +2.0% YoY+1.9% QoQ	+$25.6M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	80%
Loans	$39.2M -5.0% YoY+0.1% QoQ	+$23.9M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Top 10.2% in tier
Deposits	$48.4M +1.7% YoY+2.1% QoQ	+$22.6M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	81%

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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	0.8% +36.8% YoY+67.5% QoQ	+0.6%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	59%
NIM	3.9% -5.2% YoY-4.6% QoQ	-0.1%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	54%
Efficiency Ratio	74.9% +6.8% YoY+1.6% QoQ	-15.7%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	1.2% +432.5% YoY+23.4% QoQ	-0.3	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	68%
Loan To Share	80.9% -6.6% YoY-1.9% QoQ	+22.4%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	83%
AMR	$19,655 -0.5% YoY+2.0% QoQ	+$5K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	77%
CD Concentration	36.1% -9.1% YoY-4.0% QoQ	+11.8%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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 (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

256

Total Loans

balance_sheet

Value: $39.16M

Peer Median: $9.48M

#256 of 2508 Top 10.2% in <100M tier

323

Loan-to-Member Ratio (LMR)

engagement

Value: $8,790

Peer Median: $4,923

#323 of 2508 Top 12.8% in <100M tier

425

Loan-to-Share Ratio

balance_sheet

Value: 80.90%

Peer Median: 58.72%

#425 of 2508 Top 16.9% in <100M tier

432

Total Members

engagement

Value: 4,455

Peer Median: 1,918

#432 of 2508 Top 17.2% in <100M tier

478

Total Deposits

balance_sheet

Value: $48.40M

Peer Median: $18.77M

#478 of 2508 Top 19.0% in <100M tier

489

Total Assets

balance_sheet

Value: $55.83M

Peer Median: $21.86M

#489 of 2508 Top 19.5% in <100M tier

586

Average Member Relationship (AMR)

engagement

Value: $19,655

Peer Median: $13,926

#586 of 2508 Top 23.3% in <100M tier

Top Weaknesses (3 metrics)

2417

First Mortgage Concentration (%)

balance_sheet

Value: 61.38%

Peer Median: 3.66%

#2417 of 2508 Bottom 3.7% in <100M tier

2249

Share Certificate Concentration (%)

balance_sheet

Value: 36.11%

Peer Median: 12.45%

#2249 of 2508 Bottom 10.4% in <100M tier

2189

Net Charge-Off Rate

risk

Value: 1.10%

Peer Median: 0.07%

#2189 of 2508 Bottom 12.8% in <100M tier