BlastPoint's Credit Union Scorecard
SEATTLE METROPOLITAN
Charter #68315 · WA
SEATTLE METROPOLITAN has 7 strengths but faces 8 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 1.1% in tier
- + Wallet Share Momentum: Top 1.1% in tier
- + Net Interest Margin 0.67% above tier average
- + AMR Growth Rate: Top 0.7% in tier
- + Loan-to-Share Ratio: Top 2.0% in tier
- + Loan-to-Member Ratio (LMR): Top 3.7% in tier
- + Average Member Relationship (AMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.7% in tier
- - Efficiency Drag: Bottom 18.7% in tier
- - Membership Headwinds: Bottom 99.2% in tier
- - Stagnation Risk: Bottom 99.2% in tier
- - ROA 0.78% below tier average
- - Efficiency ratio 7.19% above tier (higher cost structure)
- - Member decline: -14.7% YoY
- - Member Growth Rate: Bottom 1.7% 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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits +5.2% year over year ($921M in shares and deposits).
- Membership: 46,942 members, -14.7% vs a year ago.
- Delinquency rate 0.63%.
- Return on assets 0.04%.
- Efficiency ratio 80.21% vs a 73.02% peer average.
- Loan-to-share ratio 107.30% vs a 84.71% 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 |
46,942
-14.7% YoY-1.0% QoQ
|
-49.9K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Bottom 4.7% in tier |
| Assets |
$1.2B
+6.6% YoY+2.7% QoQ
|
$-554.6M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$988.3M
+8.3% YoY+1.9% QoQ
|
$-245.9M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$921.1M
+5.2% YoY+0.6% QoQ
|
$-542.3M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.3% in tier |
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| ROA |
0.0%
-86.7% YoY-111.5% QoQ
|
-0.8% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 1.0% in tier |
| NIM |
4.1%
+2.2% YoY+0.5% QoQ
|
+0.7% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
Top 10.7% in tier |
| Efficiency Ratio |
80.2%
+5.3% YoY-3.2% QoQ
|
+7.2% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
80% |
| Delinquency Rate |
0.6%
-2.6% YoY-5.3% QoQ
|
-0.2 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
44% |
| Loan To Share |
107.3%
+2.9% YoY+1.3% QoQ
|
+22.6% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 2.3% in tier |
| AMR |
$40,676
+25.2% YoY+2.2% QoQ
|
+$11K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 8.3% in tier |
| CD Concentration |
21.7%
-4.0% YoY+3.2% QoQ
|
-7.4% | 29.1% | 22.7% | 20.0% | 19% |
| Indirect Auto % |
5.9%
-19.8% YoY-5.0% QoQ
|
-12.2% | 18.1% | 16.0% | 7.7% | 26% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)