BlastPoint's Credit Union Scorecard
TAPCO
Charter #68298 · WA
TAPCO has 7 strengths but faces 1 concern
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 67.3% in tier
- + ROA 0.25% above tier average
- + Net Interest Margin 0.08% above tier average
- + Total Deposits: Top 4.8% in tier
- + Average Member Relationship (AMR): Top 7.2% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Total Loans: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 32.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,873
+3.8% YoY+0.9% QoQ
|
-6.2K |
38,079
-4.8% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
29% |
| Assets |
$719.3M
+6.3% YoY+3.1% QoQ
|
+$99.6M |
$619.7M
-0.2% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 12.0% in tier |
| Loans |
$553.4M
+4.6% YoY+0.6% QoQ
|
+$134.1M |
$419.3M
-1.4% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 9.6% in tier |
| Deposits |
$651.2M
+6.2% YoY+3.0% QoQ
|
+$111.7M |
$539.5M
-0.1% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 5.4% in tier |
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| ROA |
0.9%
+25.0% YoY-10.2% QoQ
|
+0.2% |
0.7%
+36.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
70% |
| NIM |
3.5%
+4.8% YoY-0.3% QoQ
|
+0.1% |
3.5%
+4.5% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
71.4%
-11.8% YoY+0.8% QoQ
|
-7.0% |
78.4%
-3.7% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
22% |
| Delinquency Rate |
0.2%
-40.3% YoY-29.5% QoQ
|
-0.5 |
0.7%
-0.9% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
Top 13.8% in tier |
| Loan To Share |
85.0%
-1.5% YoY-2.3% QoQ
|
+7.3% |
77.7%
-1.2% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
67% |
| AMR |
$37,794
+1.6% YoY+1.0% QoQ
|
+$11K |
$26,927
+3.1% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.8% in tier |
| CD Concentration |
35.0%
+2.5% YoY+1.7% QoQ
|
+10.7% | 24.3% | 22.5% | 19.8% | Top 14.6% in tier |
| Indirect Auto % |
39.1%
-6.7% YoY-0.9% QoQ
|
+25.3% | 13.8% | 16.1% | 7.7% | Bottom 9.0% in tier |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)