BlastPoint's Credit Union Scorecard

SNO FALLS

Charter #68293 · WA

1077 CUs in 100M-500M nationally 18 in WA

SNO FALLS has 6 strengths but faces 15 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 18.4% in tier
+ Wallet Share Momentum: Top 39.4% in tier
+ Net Interest Margin 1.18% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Share Certificate Concentration (%): Top 7.5% in tier
+ Fee Income Per Member: Top 8.4% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 4.4% in tier
- Credit Quality Pressure: Bottom 5.2% in tier
- Stagnation Risk: Bottom 6.8% in tier
- Credit Risk Growth: Bottom 17.8% in tier
- Efficiency Drag: Bottom 20.1% in tier
- ROA 0.46% below tier average
- Efficiency ratio 13.96% above tier (higher cost structure)
- Delinquency rate 1.09% above tier average
- Member decline: -6.7% YoY
- Total Assets: Bottom 0.1% in tier
- Total Members: Bottom 3.7% in tier
- Total Deposits: Bottom 3.9% in tier
- Member Growth Rate: Bottom 6.2% in tier
- Total Delinquency Rate (60+ days): Bottom 7.5% in tier
- Net Worth Ratio: Bottom 7.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	5,243 -6.7% YoY-1.6% QoQ	-10.4K	15,628 -3.4% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	Bottom 3.6% in tier
Assets	$100.2M -0.5% YoY+4.8% QoQ	$-131.1M	$231.3M -0.0% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	Bottom 0.0% in tier
Loans	$71.1M +1.4% YoY+3.1% QoQ	$-76.7M	$147.8M -1.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	16%
Deposits	$91.4M +0.8% YoY+5.3% QoQ	$-108.9M	$200.3M -0.0% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	Bottom 3.8% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.3% -305.1% YoY-9.6% QoQ	-0.5%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	20%
NIM	4.8% +15.0% YoY+0.3% QoQ	+1.2%	3.6% +6.9% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	Top 4.8% in tier
Efficiency Ratio	91.2% -11.1% YoY-1.0% QoQ	+14.0%	77.3% -3.0% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	Top 8.4% in tier
Delinquency Rate	2.0% +37.3% YoY-10.8% QoQ	+1.1	0.9% +7.6% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	Top 7.5% in tier
Loan To Share	77.8% +0.6% YoY-2.1% QoQ	+5.1%	72.7% -1.5% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	58%
AMR	$30,989 +8.3% YoY+6.0% QoQ	+$7K	$24,363 +2.9% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 14.3% in tier
CD Concentration	7.7% -11.2% YoY-7.2% QoQ	-16.7%	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 (2)

Relationship Depth Leader

growth

#48 of 257 • Top 18.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.30%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $5.9K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#190 of 481 • Top 39.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.30%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#73 of 550 • Bottom 4.4% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -6.67%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#129 of 736 • Bottom 5.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.53% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Stagnation Risk

risk

#113 of 550 • Bottom 6.8% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.67%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 1.40%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 1.95%

(Tier: 0.85%, National: 1.23%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Risk Growth

risk

#267 of 446 • Bottom 17.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.40%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.53% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Efficiency Drag

risk

#355 of 521 • Bottom 20.1% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 91.24%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.49% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -6.67%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.76%

Peer Avg: -

#52 of 1077 Top 4.7% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.66%

Peer Avg: -

#82 of 1077 Top 7.5% in 100M-500M tier

Fee Income Per Member

profitability

Value: $276.62

Peer Avg: -

#92 of 1077 Top 8.4% in 100M-500M tier

148

AMR Growth Rate

growth

Value: 8.30%

Peer Avg: -

#148 of 1077 Top 13.6% in 100M-500M tier

154

Average Member Relationship (AMR)

engagement

Value: $30,989

Peer Avg: -

#154 of 1077 Top 14.2% in 100M-500M tier

162

Loan-to-Member Ratio (LMR)

engagement

Value: $13,558

Peer Avg: -

#162 of 1077 Top 14.9% in 100M-500M tier

237

Net Charge-Off Rate

risk

Value: 0.15%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

Top Weaknesses (13 metrics)

1077

Total Assets

balance_sheet

Value: $100.22M

Peer Avg: -

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1038

Total Members

engagement

Value: 5,243

Peer Avg: -

#1038 of 1077 Bottom 3.7% in 100M-500M tier

1036

Total Deposits

balance_sheet

Value: $91.39M

Peer Avg: -

#1036 of 1077 Bottom 3.9% in 100M-500M tier

1011

Member Growth Rate

growth

Value: -6.67%

Peer Avg: -

#1011 of 1077 Bottom 6.2% in 100M-500M tier

997

Total Delinquency Rate (60+ days)

risk

Value: 1.95%

Peer Avg: -

#997 of 1077 Bottom 7.5% in 100M-500M tier

996

Net Worth Ratio

risk

Value: 8.43%

Peer Avg: -

#996 of 1077 Bottom 7.6% in 100M-500M tier

988

Efficiency Ratio

profitability

Value: 91.24%

Peer Avg: -

#988 of 1077 Bottom 8.4% in 100M-500M tier

967

Members Per Employee (MPE)

engagement

Value: 227.957

Peer Avg: -

#967 of 1077 Bottom 10.3% in 100M-500M tier

904

Total Loans

balance_sheet

Value: $71.08M

Peer Avg: -

#904 of 1077 Bottom 16.2% in 100M-500M tier

899

Asset Growth Rate

growth

Value: -0.48%

Peer Avg: -

#899 of 1077 Bottom 16.6% in 100M-500M tier