BlastPoint's Credit Union Scorecard
BLUE MOUNTAIN
Charter #68280 · WA
BLUE MOUNTAIN has 2 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - First Mortgage Concentration (%): Bottom 4.7% in tier
- - Share Certificate Concentration (%): Bottom 9.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,491
-1.1% YoY-0.3% QoQ
|
+1.9K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
82% |
| Assets |
$54.8M
+1.4% YoY-1.5% QoQ
|
+$24.6M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
80% |
| Loans |
$39.1M
+1.8% YoY-1.2% QoQ
|
+$23.4M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 11.0% in tier |
| Deposits |
$47.4M
+1.1% YoY-1.7% QoQ
|
+$21.7M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
80% |
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| ROA |
0.5%
-60.2% YoY-29.3% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
38% |
| NIM |
4.1%
-9.1% YoY-0.0% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
73.7%
+15.1% YoY+3.3% QoQ
|
-8.8% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
35% |
| Delinquency Rate |
1.0%
+292.0% YoY-53.4% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
82.5%
+0.7% YoY+0.5% QoQ
|
+21.9% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
82% |
| AMR |
$19,269
+2.5% YoY-1.2% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
37.6%
+6.1% YoY-1.8% QoQ
|
+13.2% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)