BlastPoint's Credit Union Scorecard
TAPCO
Charter #68298 · WA
TAPCO has 8 strengths but faces 3 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
- + Relationship Depth Leader: Top 66.4% in tier
- + ROA 1.80% above tier average
- + Net Interest Margin 0.08% above tier average
- + Fee Income Per Member: Top 0.1% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Total Deposits: Top 4.2% in tier
- + Total Assets: Top 4.8% in tier
- + Total Loans: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 19.5% in tier
- - Credit Risk Growth: Bottom 45.7% in tier
- - Credit Quality Pressure: Bottom 46.4% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Washington.
- Shares and deposits +6.5% year over year ($657M in shares and deposits).
- Membership: 32,289 members, +3.4% vs a year ago.
- Delinquency rate 0.34%.
- Return on assets 2.61%.
- Efficiency ratio 51.60% vs a 76.56% peer average.
- Loan-to-share ratio 86.59% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,289
+3.4% YoY+1.3% QoQ
|
-5.6K |
37,897
-5.0% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
29% |
| Assets |
$735.7M
+7.9% YoY+2.3% QoQ
|
+$113.3M |
$622.4M
+0.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 5.5% in tier |
| Loans |
$569.0M
+4.1% YoY+2.8% QoQ
|
+$140.5M |
$428.5M
-0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 8.5% in tier |
| Deposits |
$657.1M
+6.5% YoY+0.9% QoQ
|
+$117.4M |
$539.8M
+0.9% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 4.8% in tier |
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| ROA |
2.6%
+251.8% YoY+179.3% QoQ
|
+1.8% |
0.8%
+39.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Top 1.2% in tier |
| NIM |
3.6%
+5.5% YoY+1.9% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
57% |
| Efficiency Ratio |
51.6%
-33.6% YoY-27.7% QoQ
|
-25.0% |
76.6%
-3.6% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
0.3%
+14.9% YoY+44.5% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
17% |
| Loan To Share |
86.6%
-2.3% YoY+1.9% QoQ
|
+7.3% |
79.3%
-1.4% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$37,974
+1.9% YoY+0.5% QoQ
|
+$11K |
$27,294
+4.1% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 8.5% in tier |
| CD Concentration |
35.4%
+2.7% YoY+1.3% QoQ
|
+10.9% | 24.6% | 22.7% | 20.0% | 85% |
| Indirect Auto % |
37.4%
-10.0% YoY-4.5% QoQ
|
+23.7% | 13.6% | 16.0% | 7.7% | Bottom 9.7% 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 (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)