BlastPoint's Credit Union Scorecard
AVISTA CORP.
Charter #68284 · WA
AVISTA CORP. has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Members Per Employee (MPE): Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 5.3% in tier
- + Average Member Relationship (AMR): Top 5.7% in tier
- + Total Loans: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin (NIM): Bottom 3.6% in tier
- - First Mortgage Concentration (%): Bottom 6.3% in tier
- - Share Certificate Concentration (%): Bottom 9.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,652
+1.4% YoY+0.4% QoQ
|
+975 |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$71.9M
+3.5% YoY+0.9% QoQ
|
+$41.8M |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 11.4% in tier |
| Loans |
$41.4M
+4.3% YoY-1.4% QoQ
|
+$26.2M |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.5% in tier |
| Deposits |
$58.8M
+4.1% YoY+1.0% QoQ
|
+$33.0M |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 12.7% in tier |
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| ROA |
0.4%
-184.1% YoY-493.1% QoQ
|
+0.3% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
42% |
| NIM |
2.0%
+37.1% YoY+21.1% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
78.3%
-42.0% YoY-26.2% QoQ
|
-12.3% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
42% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
15% |
| Loan To Share |
70.5%
+0.2% YoY-2.4% QoQ
|
+12.0% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
68% |
| AMR |
$27,444
+2.7% YoY-0.5% QoQ
|
+$13K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 5.7% in tier |
| CD Concentration |
36.9%
+7.5% YoY-2.4% QoQ
|
+12.6% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.1% | 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)