AVISTA CORP.
Charter #68284 | WA
<100M
(2596 CUs)
Micro
($0-$500M)
33 <100M in WA
AVISTA CORP. has 7 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 4.3% in tier
- + Loan-to-Member Ratio (LMR): Top 5.4% in tier
- + Average Member Relationship (AMR): Top 6.2% in tier
- + Net Charge-Off Rate: Top 9.1% in tier
- + Deposit Growth Rate: Top 9.1% in tier
- + Total Loans: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.93% below tier average
- - Efficiency ratio 34.08% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 2.0% in tier
- - First Mortgage Concentration (%): Bottom 6.6% in tier
- - Share Certificate Concentration (%): Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,634
+1.1% YoY+0.6% QoQ
|
+1.0K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
75th in tier |
| Assets |
$70.0M
+7.7% YoY+1.5% QoQ
|
+$40.2M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 12.2% in tier |
| Loans |
$41.3M
+0.6% YoY+1.4% QoQ
|
+$25.6M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 9.6% in tier |
| Deposits |
$57.0M
+9.8% YoY+1.9% QoQ
|
+$31.5M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 13.7% in tier |
| ROA |
-0.3%
-169.5% YoY-36.6% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.7% in tier |
| NIM |
1.6%
-18.2% YoY+5.4% QoQ
|
-2.3% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Bottom 2.0% in tier |
| Efficiency Ratio |
115.5%
+40.5% YoY-8.0% QoQ
|
+34.1% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
0.0%
-62.9% YoY-17.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 15.2% in tier |
| Loan To Share |
72.5%
-8.4% YoY-0.5% QoQ
|
+11.3% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
66th in tier |
| AMR |
$27,053
+4.6% YoY+1.1% QoQ
|
+$12K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 6.2% in tier |
| CD Concentration |
37.2%
+27.8% YoY+3.5% QoQ
|
+12.8% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
112
Members Per Employee (MPE)
engagement
Value:
726.800
Peer Avg: 365.701
#112 of 2596
Top 4.3% in <100M tier
142
Loan-to-Member Ratio (LMR)
engagement
Value:
$11,375
Peer Avg: $5,488
#142 of 2596
Top 5.4% in <100M tier
161
Average Member Relationship (AMR)
engagement
Value:
$27,053
Peer Avg: $14,627
#161 of 2596
Top 6.2% in <100M tier
236
Net Charge-Off Rate
risk
Value:
-0.00%
Peer Avg: 0.57%
#236 of 2596
Top 9.1% in <100M tier
237
Deposit Growth Rate
growth
Value:
9.84%
Peer Avg: 16.80%
#237 of 2596
Top 9.1% in <100M tier
250
Total Loans
balance_sheet
Value:
$41.34M
Peer Avg: $15.77M
#250 of 2596
Top 9.6% in <100M tier
318
Total Assets
balance_sheet
Value:
$70.02M
Peer Avg: $29.86M
#318 of 2596
Top 12.2% in <100M tier
355
Total Deposits
balance_sheet
Value:
$56.98M
Peer Avg: $25.45M
#355 of 2596
Top 13.6% in <100M tier
362
Asset Growth Rate
growth
Value:
7.72%
Peer Avg: 1.82%
#362 of 2596
Top 13.9% in <100M tier
Top Weaknesses (6 metrics)
2545
Net Interest Margin (NIM)
profitability
Value:
1.59%
Peer Avg: 3.93%
#2545 of 2596
Bottom 2.0% in <100M tier
2467
Efficiency Ratio
profitability
Value:
115.47%
Peer Avg: 81.39%
#2467 of 2596
Bottom 5.0% in <100M tier
2425
First Mortgage Concentration (%)
balance_sheet
Value:
52.72%
Peer Avg: 14.49%
#2425 of 2596
Bottom 6.6% in <100M tier
2346
Share Certificate Concentration (%)
balance_sheet
Value:
37.19%
Peer Avg: 15.37%
#2346 of 2596
Bottom 9.7% in <100M tier
2291
Return on Assets (ROA)
profitability
Value:
-0.25%
Peer Avg: 0.68%
#2291 of 2596
Bottom 11.8% in <100M tier
2125
Fee Income Per Member
profitability
Value:
$9.29
Peer Avg: $182.96
#2125 of 2596
Bottom 18.2% in <100M tier