BlastPoint's Credit Union Scorecard

SNO FALLS

Charter #68293 · WA

100M-500M

1070 CUs in 100M-500M nationally 17 in WA

SNO FALLS has 6 strengths but faces 8 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 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.96% above tier average
+ Fee Income Per Member: Top 6.8% in tier
+ AMR Growth Rate: Top 6.9% in tier
+ Share Certificate Concentration (%): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.54% below tier average
- Efficiency ratio 16.40% above tier (higher cost structure)
- Delinquency rate 0.07% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	5,072 -6.4% YoY-1.7% QoQ	-10.1K	15,145 -2.5% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	Bottom 3.9% in tier
Assets	$101.2M +2.8% YoY+2.2% QoQ	$-130.6M	$231.7M +0.8% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	Bottom 1.3% in tier
Loans	$72.5M +7.6% YoY+3.6% QoQ	$-71.7M	$144.1M +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	19%
Deposits	$90.8M +1.4% YoY+1.3% QoQ	$-110.3M	$201.1M +0.4% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	Bottom 4.2% 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	0.2% -33.4% YoY-61.3% QoQ	-0.5%	0.7% +5.1% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	16%
NIM	4.6% -2.9% YoY-2.9% QoQ	+1.0%	3.6% +4.6% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Top 8.1% in tier
Efficiency Ratio	94.4% +1.5% YoY+4.6% QoQ	+16.4%	78.0% -1.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	Bottom 6.5% in tier
Delinquency Rate	0.8% +87.4% YoY+19.1% QoQ	+0.1	0.8% +7.1% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	68%
Loan To Share	79.8% +6.2% YoY+2.3% QoQ	+9.3%	70.4% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	68%
AMR	$32,196 +11.2% YoY+4.1% QoQ	+$7K	$24,918 +2.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 13.8% in tier
CD Concentration	8.3% +2.4% YoY+4.3% QoQ	-16.0%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#26 of 257 • Top 50.0% 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): 11.18%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.9K

(Tier: $3.0K, National: $2.1K)

better than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#94 of 491 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 11.18%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline

#86 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -6.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Credit Risk Growth

risk

#82 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 7.64%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Credit Quality Pressure

risk

#165 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.40% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#143 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 94.42%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.10% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -6.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Stagnation Risk

risk

#208 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -6.40%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 7.64%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Rate: 0.85%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Fee Income Per Member

profitability

Value: $279.55

Peer Median: $154.95

#74 of 1070 Top 6.8% in 100M-500M tier

AMR Growth Rate

growth

Value: 11.18%

Peer Median: 3.46%

#75 of 1070 Top 6.9% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.29%

Peer Median: 23.10%

#83 of 1070 Top 7.7% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.59%

Peer Median: 3.62%

#87 of 1070 Top 8.0% in 100M-500M tier

143

Loan-to-Member Ratio (LMR)

engagement

Value: $14,286

Peer Median: $9,356

#143 of 1070 Top 13.3% in 100M-500M tier

148

Average Member Relationship (AMR)

engagement

Value: $32,196

Peer Median: $22,931

#148 of 1070 Top 13.7% in 100M-500M tier

259

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.35%

#259 of 1070 Top 24.1% in 100M-500M tier

266

Loan Growth Rate

growth

Value: 7.64%

Peer Median: 2.93%

#266 of 1070 Top 24.8% in 100M-500M tier

Top Weaknesses (10 metrics)

1056

Total Assets

balance_sheet

Value: $101.15M

Peer Median: $196.57M

#1056 of 1070 Bottom 1.4% in 100M-500M tier

1028

Total Members

engagement

Value: 5,072

Peer Median: 13,200

#1028 of 1070 Bottom 4.0% in 100M-500M tier

1025

Total Deposits

balance_sheet

Value: $90.84M

Peer Median: $171.29M

#1025 of 1070 Bottom 4.3% in 100M-500M tier

1001

Efficiency Ratio

profitability

Value: 94.42%

Peer Median: 78.68%

#1001 of 1070 Bottom 6.5% in 100M-500M tier

995

Member Growth Rate

growth

Value: -6.40%

Peer Median: -0.06%

#995 of 1070 Bottom 7.1% in 100M-500M tier

970

Net Worth Ratio

risk

Value: 8.62%

Peer Median: 11.45%

#970 of 1070 Bottom 9.4% in 100M-500M tier

947

Members Per Employee (MPE)

engagement

Value: 230.545

Peer Median: 309.176

#947 of 1070 Bottom 11.6% in 100M-500M tier

901

Return on Assets (ROA)

profitability

Value: 0.19%

Peer Median: 0.69%

#901 of 1070 Bottom 15.9% in 100M-500M tier

867

Total Loans

balance_sheet

Value: $72.46M

Peer Median: $121.41M

#867 of 1070 Bottom 19.1% in 100M-500M tier

814

First Mortgage Concentration (%)

balance_sheet

Value: 42.19%

Peer Median: 29.47%

#814 of 1070 Bottom 24.0% in 100M-500M tier