BlastPoint's Credit Union Scorecard

TAPCO

Charter #68298 · WA

Community 500M-750M

165 CUs in 500M-750M nationally 4 in WA

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TAPCO has 7 strengths but faces 1 concern

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 35.5% in tier
+ Relationship Depth Leader: Top 91.4% in tier
+ ROA 0.38% above tier average
+ Net Interest Margin 0.11% above tier average
+ Average Member Relationship (AMR): Top 7.9% in tier
+ Loan-to-Member Ratio (LMR): Top 8.5% in tier
+ Total Deposits: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 33.3% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	31,599 +4.2% YoY-0.2% QoQ	-7.0K	38,575 -4.8% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	26%
Assets	$697.7M +5.9% YoY+1.1% QoQ	+$76.0M	$621.7M +0.1% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	78%
Loans	$550.3M +6.3% YoY+0.6% QoQ	+$120.4M	$429.8M -1.8% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	Top 11.5% in tier
Deposits	$632.3M +6.0% YoY+1.4% QoQ	+$93.6M	$538.7M +0.6% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	Top 9.7% 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	1.0% +103.1% YoY+31.3% QoQ	+0.4%	0.7% +42.9% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	81%
NIM	3.6% +15.3% YoY+2.1% QoQ	+0.1%	3.4% +8.0% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	60%
Efficiency Ratio	70.8% -12.8% YoY-7.1% QoQ	-6.7%	77.5% -4.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	24%
Delinquency Rate	0.3% -45.6% YoY-0.3% QoQ	-0.5	0.8% -1.1% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	Bottom 14.5% in tier
Loan To Share	87.0% +0.3% YoY-0.8% QoQ	+7.2%	79.8% -2.3% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	67%
AMR	$37,426 +1.8% YoY+1.3% QoQ	+$11K	$26,849 +2.7% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	Top 8.5% in tier
CD Concentration	34.4% +0.1% YoY+0.1% QoQ	+10.0%	24.4%	22.5%	19.8%	82%
Indirect Auto %	39.5% -3.0% YoY-2.9% QoQ	+25.7%	13.8%	16.8%	7.8%	Top 8.6% in tier

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#212 of 595 • Top 35.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 4.20%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.04%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 39.49%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Relationship Depth Leader

growth

#245 of 268 • Top 91.4% 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): 1.83%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.5K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (1)

Indirect Auto Dependency

risk

#169 of 506 • Bottom 33.3% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.90%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 39.49%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 4.20%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

745 nationally

↓ Shrinking -35 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 165 peers in tier

Top Strengths (10 metrics)

Average Member Relationship (AMR)

engagement

Value: $37,426

Peer Median: -

#14 of 165 Top 7.9% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,414

Peer Median: -

#15 of 165 Top 8.5% in 500M-750M tier

Total Deposits

balance_sheet

Value: $632.35M

Peer Median: -

#16 of 165 Top 9.1% in 500M-750M tier

Total Loans

balance_sheet

Value: $550.26M

Peer Median: -

#19 of 165 Top 10.9% in 500M-750M tier

Member Growth Rate

growth

Value: 4.20%

Peer Median: -

#21 of 165 Top 12.1% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: -

#25 of 165 Top 14.5% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.04%

Peer Median: -

#32 of 165 Top 18.8% in 500M-750M tier

Total Assets

balance_sheet

Value: $697.67M

Peer Median: -

#36 of 165 Top 21.2% in 500M-750M tier

First Mortgage Concentration (%)

balance_sheet

Value: 21.62%

Peer Median: -

#40 of 165 Top 23.6% in 500M-750M tier

Efficiency Ratio

profitability

Value: 70.80%

Peer Median: -

#41 of 165 Top 24.2% in 500M-750M tier

Top Weaknesses (2 metrics)

149

Indirect Auto Concentration (%)

balance_sheet

Value: 39.49%

Peer Median: -

#149 of 165 Bottom 10.3% in 500M-750M tier

136

Share Certificate Concentration (%)

balance_sheet

Value: 34.39%

Peer Median: -

#136 of 165 Bottom 18.2% in 500M-750M tier