BlastPoint's Credit Union Scorecard
SEATTLE METROPOLITAN
Charter #68315 · WA
SEATTLE METROPOLITAN has 6 strengths but faces 10 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 9.1% in tier
- + Wallet Share Momentum: Top 13.0% in tier
- + Net Interest Margin 0.80% above tier average
- + AMR Growth Rate: Top 3.9% in tier
- + Loan-to-Share Ratio: Top 6.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 2.5% in tier
- - Stagnation Risk: Bottom 8.0% in tier
- - Liquidity Strain: Bottom 11.3% in tier
- - ROA 0.35% below tier average
- - Efficiency ratio 1.37% above tier (higher cost structure)
- - Member decline: -10.2% YoY
- - Member Growth Rate: Bottom 3.3% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Net Charge-Off Rate: Bottom 5.6% in tier
- - Total Members: Bottom 6.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
50,628
-10.2% YoY-8.0% QoQ
|
-48.1K |
98,678
-1.9% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Bottom 6.6% in tier |
| Assets |
$1.1B
-0.1% YoY-0.5% QoQ
|
$-627.6M |
$1.7B
+0.5% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 10.9% in tier |
| Loans |
$916.6M
+2.4% YoY+0.4% QoQ
|
$-316.5M |
$1.2B
+0.5% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
29% |
| Deposits |
$879.7M
+1.6% YoY+0.5% QoQ
|
$-574.6M |
$1.5B
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.6% in tier |
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| ROA |
0.4%
-213.2% YoY+27.4% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
4.1%
+10.4% YoY+1.4% QoQ
|
+0.8% |
3.3%
+9.3% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
Top 8.9% in tier |
| Efficiency Ratio |
75.3%
-6.4% YoY-1.1% QoQ
|
+1.4% |
74.0%
-10.9% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.8%
-9.8% YoY+20.4% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
59% |
| Loan To Share |
104.2%
+0.8% YoY-0.0% QoQ
|
+19.0% |
85.2%
-0.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Top 6.9% in tier |
| AMR |
$35,481
+13.6% YoY+9.2% QoQ
|
+$6K |
$29,172
+2.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 14.8% in tier |
| CD Concentration |
23.2%
+15.6% YoY+2.8% QoQ
|
-5.8% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
24% |
| Indirect Auto % |
7.1%
-13.1% YoY-4.3% QoQ
|
-11.7% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
28% |
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 declining year-over-year. Shrinking 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)