BlastPoint's Credit Union Scorecard
RESPONDERS EMERGENCY SERVICES
Charter #68305 · WA
RESPONDERS EMERGENCY SERVICES has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Average Member Relationship (AMR): Top 4.3% in tier
- + Loan-to-Member Ratio (LMR): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - ROA 1.00% below tier average
- - Member decline: -2.5% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -5.3% year over year ($46.3M in shares and deposits).
- Membership: 2,606 members, -2.5% vs a year ago.
- Delinquency rate 0.01%.
- Return on assets 0.49%.
- Efficiency ratio 87.60% vs a 88.77% peer average.
- Loan-to-share ratio 69.27% vs a 58.89% 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 |
2,606
-2.5% YoY0% QoQ
|
+20 |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
62% |
| Assets |
$56.2M
-3.7% YoY-1.3% QoQ
|
+$25.9M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$32.1M
-10.2% YoY-2.2% QoQ
|
+$16.6M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
85% |
| Deposits |
$46.3M
-5.3% YoY-1.8% QoQ
|
+$20.5M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
80% |
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| ROA |
0.5%
-19.6% YoY+52.0% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
31% |
| NIM |
3.3%
+4.3% YoY+0.1% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
87.6%
+7.2% YoY-2.5% QoQ
|
-1.2% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
66% |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
Top 13.3% in tier |
| Loan To Share |
69.3%
-5.2% YoY-0.4% QoQ
|
+10.4% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$30,072
-5.0% YoY-1.9% QoQ
|
+$15K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 4.3% in tier |
| CD Concentration |
19.7%
+8.2% YoY+2.2% QoQ
|
-4.8% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)