BlastPoint's Credit Union Scorecard
SEATTLE METROPOLITAN
Charter #68315 · WA
SEATTLE METROPOLITAN has 6 strengths but faces 11 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 4.7% in tier
- + Wallet Share Momentum: Top 7.4% in tier
- + Net Interest Margin 0.78% above tier average
- + AMR Growth Rate: Top 2.6% in tier
- + Loan-to-Share Ratio: Top 3.3% in tier
- + Loan-to-Member Ratio (LMR): Top 5.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 7.1% in tier
- - Stagnation Risk: Bottom 14.3% in tier
- - Liquidity Strain: Bottom 33.3% in tier
- - ROA 0.38% below tier average
- - Efficiency ratio 2.68% above tier (higher cost structure)
- - Member decline: -12.6% YoY
- - Member Growth Rate: Bottom 3.0% in tier
- - Total Members: Bottom 4.0% in tier
- - Total Deposits: Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 6.6% in tier
- - Members Per Employee (MPE): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
48,127
-12.6% YoY-4.9% QoQ
|
-49.3K |
97,431
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 3.6% in tier |
| Assets |
$1.1B
+2.2% YoY+3.1% QoQ
|
$-597.3M |
$1.7B
+0.9% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 13.6% in tier |
| Loans |
$947.9M
+1.1% YoY+3.4% QoQ
|
$-286.5M |
$1.2B
+0.5% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
32% |
| Deposits |
$891.8M
+2.3% YoY+1.4% QoQ
|
$-567.5M |
$1.5B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Bottom 4.6% in tier |
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| ROA |
0.3%
+106.0% YoY-15.1% QoQ
|
-0.4% |
0.7%
+20.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
16% |
| NIM |
4.1%
+8.2% YoY-0.1% QoQ
|
+0.8% |
3.3%
+9.2% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
76.7%
-4.5% YoY+1.8% QoQ
|
+2.7% |
74.1%
-9.5% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
60% |
| Delinquency Rate |
0.7%
-24.6% YoY-3.9% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
49% |
| Loan To Share |
106.3%
-1.2% YoY+2.0% QoQ
|
+21.5% |
84.8%
-0.8% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 3.6% in tier |
| AMR |
$38,227
+16.4% YoY+7.7% QoQ
|
+$9K |
$29,428
+2.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 11.3% in tier |
| CD Concentration |
22.1%
+4.5% YoY-4.7% QoQ
|
-7.0% | 29.0% | 22.5% | 19.8% | 21% |
| Indirect Auto % |
6.6%
-16.6% YoY-6.7% QoQ
|
-11.7% | 18.3% | 16.8% | 7.8% | 29% |
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 (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)