BlastPoint's Credit Union Scorecard
AVISTA CORP.
Charter #68284 · WA
2556 CUs in <100M nationally
33 in WA
AVISTA CORP. has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.2% in tier
- + Average Member Relationship (AMR): Top 5.6% in tier
- + Total Loans: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.73% below tier average
- - Efficiency ratio 23.50% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.3% in tier
- - First Mortgage Concentration (%): Bottom 6.5% in tier
- - Share Certificate Concentration (%): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,636
+1.3% YoY+0.1% QoQ
|
+1.0K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$71.3M
+6.6% YoY+1.8% QoQ
|
+$41.2M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 11.8% in tier |
| Loans |
$42.0M
+3.7% YoY+1.7% QoQ
|
+$26.3M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 9.0% in tier |
| Deposits |
$58.2M
+8.4% YoY+2.2% QoQ
|
+$32.5M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 13.3% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
-0.1%
-142.9% YoY-54.6% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 13.8% in tier |
| NIM |
1.7%
-10.4% YoY+4.6% QoQ
|
-2.3% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
106.1%
+22.9% YoY-8.2% QoQ
|
+23.5% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
0.0%
-57.5% YoY+1.1% QoQ
|
-1.5 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Bottom 14.6% in tier |
| Loan To Share |
72.2%
-4.3% YoY-0.5% QoQ
|
+11.6% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
67% |
| AMR |
$27,576
+5.0% YoY+1.9% QoQ
|
+$13K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 5.7% in tier |
| CD Concentration |
37.8%
+16.6% YoY+1.6% QoQ
|
+13.3% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
107
Members Per Employee (MPE)
engagement
Value:
727.200
Peer Median: -
#107 of 2556
Top 4.1% in <100M tier
133
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,561
Peer Median: -
#133 of 2556
Top 5.2% in <100M tier
145
Average Member Relationship (AMR)
engagement
Value:
$27,576
Peer Median: -
#145 of 2556
Top 5.6% in <100M tier
229
Total Loans
balance_sheet
Value:
$42.03M
Peer Median: -
#229 of 2556
Top 8.9% in <100M tier
302
Total Assets
balance_sheet
Value:
$71.32M
Peer Median: -
#302 of 2556
Top 11.8% in <100M tier
331
Deposit Growth Rate
growth
Value:
8.36%
Peer Median: -
#331 of 2556
Top 12.9% in <100M tier
339
Total Deposits
balance_sheet
Value:
$58.23M
Peer Median: -
#339 of 2556
Top 13.2% in <100M tier
374
Total Delinquency Rate (60+ days)
risk
Value:
0.03%
Peer Median: -
#374 of 2556
Top 14.6% in <100M tier
470
Asset Growth Rate
growth
Value:
6.62%
Peer Median: -
#470 of 2556
Top 18.3% in <100M tier
Top Weaknesses (6 metrics)
2497
Net Interest Margin (NIM)
profitability
Value:
1.66%
Peer Median: -
#2497 of 2556
Bottom 2.3% in <100M tier
2390
First Mortgage Concentration (%)
balance_sheet
Value:
53.20%
Peer Median: -
#2390 of 2556
Bottom 6.5% in <100M tier
2363
Efficiency Ratio
profitability
Value:
106.06%
Peer Median: -
#2363 of 2556
Bottom 7.6% in <100M tier
2319
Share Certificate Concentration (%)
balance_sheet
Value:
37.77%
Peer Median: -
#2319 of 2556
Bottom 9.3% in <100M tier
2202
Return on Assets (ROA)
profitability
Value:
-0.11%
Peer Median: -
#2202 of 2556
Bottom 13.9% in <100M tier
2095
Fee Income Per Member
profitability
Value:
$10.17
Peer Median: -
#2095 of 2556
Bottom 18.1% in <100M tier