BlastPoint's Credit Union Scorecard
BLUE MOUNTAIN
Charter #68280 · WA
BLUE MOUNTAIN has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Delinquency rate 0.55% above tier average
- - First Mortgage Concentration (%): Bottom 5.5% in tier
- - Share Certificate Concentration (%): Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,504
-1.3% YoY-0.1% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
82% |
| Assets |
$55.6M
+5.4% YoY-0.3% QoQ
|
+$25.8M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$39.6M
+0.6% YoY-2.3% QoQ
|
+$23.8M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 10.7% in tier |
| Deposits |
$48.3M
+5.3% YoY-0.5% QoQ
|
+$22.8M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
81% |
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| ROA |
0.7%
-47.6% YoY-10.8% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
4.1%
-11.5% YoY-0.3% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
58% |
| Efficiency Ratio |
71.4%
+13.7% YoY+0.9% QoQ
|
-10.0% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
34% |
| Delinquency Rate |
2.1%
+126.5% YoY+39.1% QoQ
|
+0.6 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
80% |
| Loan To Share |
82.0%
-4.5% YoY-1.8% QoQ
|
+20.8% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
80% |
| AMR |
$19,501
+4.5% YoY-1.2% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration |
38.3%
+17.8% YoY+1.4% QoQ
|
+13.9% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)