BlastPoint's Credit Union Scorecard
TAPCO
Charter #68298 · WA
TAPCO has 6 strengths but faces 2 concerns
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
- + Organic Growth Engine: Top 16.5% in tier
- + Credit Quality Leader: Top 81.1% in tier
- + ROA 0.13% above tier average
- + Net Interest Margin 0.05% above tier average
- + Average Member Relationship (AMR): Top 8.3% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 15.0% in tier
- - Indirect Auto Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,674
+4.6% YoY+1.4% QoQ
|
-8.1K |
39,752
-2.7% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$690.0M
+3.5% YoY+1.2% QoQ
|
+$67.6M |
$622.4M
+0.3% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
75% |
| Loans |
$546.9M
+4.8% YoY+0.0% QoQ
|
+$111.0M |
$435.9M
-0.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 12.4% in tier |
| Deposits |
$623.3M
+6.5% YoY+1.0% QoQ
|
+$85.3M |
$538.0M
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 11.8% in tier |
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| ROA |
0.8%
+57.8% YoY+6.9% QoQ
|
+0.1% |
0.7%
+33.9% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
62% |
| NIM |
3.5%
+15.6% YoY+1.6% QoQ
|
+0.0% |
3.4%
+8.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
52% |
| Efficiency Ratio |
76.2%
-5.1% YoY-2.0% QoQ
|
-1.9% |
78.1%
-3.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.3%
-58.7% YoY+13.2% QoQ
|
-0.5 |
0.8%
-4.9% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
87.7%
-1.6% YoY-1.0% QoQ
|
+6.7% |
81.0%
-1.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
63% |
| AMR |
$36,947
+1.0% YoY-0.8% QoQ
|
+$10K |
$26,482
+2.6% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 8.9% in tier |
| CD Concentration |
34.4%
+1.1% YoY-0.4% QoQ
|
+9.9% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
83% |
| Indirect Auto % |
40.7%
-0.9% YoY-2.0% QoQ
|
+26.7% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
Top 8.5% in tier |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)