BlastPoint's Credit Union Scorecard

SEATTLE METROPOLITAN

Charter #68315 · WA

Mid-Market 1B-3B

Seattle CU at VentureTech 2026 · Fort Worth

YOU MADE THE SET.

Seattle CU is one of 101 credit unions in the 2026 VentureTech card set. We also found Seattle CU's biggest opportunity. Unlock it at the BlastPoint booth during expo hall hours, Mon Nov 16 and Tue Nov 17.

2026 CU
CARD SET

VENTURETECH EDITION

Seattle CU

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SEATTLE CU
PEER · AT VENTURETECH
PEER · AT VENTURETECH
SEATTLE CU'S BIGGEST OPPORTUNITY

300 CUs in 1B-3B nationally 9 in WA

View Mid-Market leaderboard →

SEATTLE METROPOLITAN has 6 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: 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

WORLD 1 · VENTURETECH

The real pack is waiting in Fort Worth

1 CLEAR Your card arrived By email from Collier at BlastPoint
2 YOU ARE HERE Open your pack Right here on your Scorecard
3 BOSS LEVEL Grab the real pack At the BlastPoint booth
4 BONUS ROUND Find a CU from your pack Meet up and you both enter to win a member intelligence report

ADMIT ONE · PLAYER 1

Your printed pack

Where: The BlastPoint booth, Omni Fort Worth
Expo hall: Mon Nov 16 and Tue Nov 17

Pick a time to meet

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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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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

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

growth

#2 of 69 • Top 1.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 25.19%

(Tier: 3.62%, National: 35.20%)

better than tier avg

Share Draft per Member: $5.3K

(Tier: $3.2K, National: $2.1K)

better than tier avg

69 of 377 Mid-Market CUs have this signature | 354 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#4 of 125 • Top 1.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 25.19%

(Tier: 3.62%, National: 35.20%)

better than tier avg

125 of 377 Mid-Market CUs have this signature | 635 nationally

↑ Growing +22 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#4 of 86 • Bottom 99.2% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -14.73%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Liquidity Strain

risk

#11 of 168 • Bottom 3.7% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 107.30%

(Tier: 85.94%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 8.27%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

168 of 377 Mid-Market CUs have this signature | 432 nationally

→ Stable (173→168 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk

#33 of 86 • Bottom 99.2% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -14.73%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 8.27%

(Tier: 6.76%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.63%

(Tier: 0.86%, National: 1.26%)

but better than tier avg

86 of 377 Mid-Market CUs have this signature | 653 nationally

→ Stable (82→86 CUs) +4 CUs YoY | Rank improving

Efficiency Drag

risk

#70 of 71 • Bottom 18.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 80.21%

(Tier: 72.30%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.24% points

(Tier: 0.18% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -14.73%

(Tier: 3.16%, National: 15.67%)

worse than tier avg

71 of 377 Mid-Market CUs have this signature | 608 nationally

↓ Shrinking -33 CUs YoY | New qualifier

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)

Compare against:

Comparing against 300 peers in tier

Top Strengths (7 metrics)

AMR Growth Rate

growth

Value: 25.19%

Peer Median: 3.19%

#3 of 300 Top 0.7% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 107.30%

Peer Median: 87.07%

#7 of 300 Top 2.0% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $21,054

Peer Median: $12,809

#12 of 300 Top 3.7% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $40,676

Peer Median: $28,089

#25 of 300 Top 8.0% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.09%

Peer Median: 3.46%

#32 of 300 Top 10.3% in 1B-3B tier

Fee Income Per Member

profitability

Value: $305.50

Peer Median: $204.73

#43 of 300 Top 14.0% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 21.66%

Peer Median: 28.24%

#61 of 300 Top 20.0% in 1B-3B tier

Top Weaknesses (8 metrics)

297

Return on Assets (ROA)

profitability

Value: 0.04%

Peer Median: 0.77%

#297 of 300 Bottom 1.3% in 1B-3B tier

296

Member Growth Rate

growth

Value: -14.73%

Peer Median: 1.84%

#296 of 300 Bottom 1.7% in 1B-3B tier

286

Total Members

engagement

Value: 46,942

Peer Median: 86,516

#286 of 300 Bottom 5.0% in 1B-3B tier

272

Net Charge-Off Rate

risk

Value: 1.07%

Peer Median: 0.52%

#272 of 300 Bottom 9.7% in 1B-3B tier

272

Total Deposits

balance_sheet

Value: $921.09M

Peer Median: $1.30B

#272 of 300 Bottom 9.7% in 1B-3B tier

267

Members Per Employee (MPE)

engagement

Value: 266.716

Peer Median: 346.173

#267 of 300 Bottom 11.3% in 1B-3B tier

243

Total Assets

balance_sheet

Value: $1.17B

Peer Median: $1.51B

#243 of 300 Bottom 19.3% in 1B-3B tier

240

Efficiency Ratio

profitability

Value: 80.21%

Peer Median: 73.62%

#240 of 300 Bottom 20.3% in 1B-3B tier