BlastPoint's Credit Union Scorecard
SPOKANE CITY
Charter #68283 · WA
SPOKANE CITY has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Loans: Top 4.9% in tier
- + Loan-to-Member Ratio (LMR): Top 5.0% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.06% below tier average
- - Efficiency ratio 1.67% above tier (higher cost structure)
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -0.7% year over year ($58.4M in shares and deposits).
- Membership: 4,248 members, -1.6% vs a year ago.
- Delinquency rate 0.11%.
- Return on assets 0.43%.
- Efficiency ratio 90.44% vs a 88.77% peer average.
- Loan-to-share ratio 85.80% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,248
-1.6% YoY-1.0% QoQ
|
+1.7K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$65.9M
+0.0% YoY+0.4% QoQ
|
+$35.6M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 14.2% in tier |
| Loans |
$50.1M
-2.3% YoY-0.3% QoQ
|
+$34.7M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 4.9% in tier |
| Deposits |
$58.4M
-0.7% YoY+0.4% QoQ
|
+$32.6M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 13.1% in tier |
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| ROA |
0.4%
-48.2% YoY+3.5% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
27% |
| NIM |
3.7%
+1.3% YoY+1.7% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
90.4%
+10.9% YoY-0.2% QoQ
|
+1.7% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.1%
-43.6% YoY+20.5% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
21% |
| Loan To Share |
85.8%
-1.6% YoY-0.7% QoQ
|
+26.9% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 13.3% in tier |
| AMR |
$25,563
+0.1% YoY+1.0% QoQ
|
+$11K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 8.1% in tier |
| CD Concentration |
10.6%
-28.4% YoY-5.7% QoQ
|
-13.9% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
3.7%
-29.8% YoY-5.6% QoQ
|
-10.0% | 13.6% | 16.0% | 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)