BlastPoint's Credit Union Scorecard

SEATTLE METROPOLITAN

Charter #68315 · WA

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 8 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 2.4% in tier
+ Wallet Share Momentum: Top 2.4% in tier
+ Net Interest Margin 0.72% above tier average
+ AMR Growth Rate: Top 2.0% in tier
+ Loan-to-Share Ratio: Top 2.6% in tier
+ Loan-to-Member Ratio (LMR): Top 4.6% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.9% in tier
- Efficiency Drag: Bottom 16.2% in tier
- Credit Risk Growth: Bottom 53.4% in tier
- Credit Quality Pressure: Bottom 53.7% in tier
- Membership Headwinds: Bottom 99.2% in tier
- Stagnation Risk: Bottom 99.2% in tier
- ROA 1.04% below tier average
- Efficiency ratio 8.26% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	47,393 -14.1% YoY-1.5% QoQ	-48.7K	96,048 -2.7% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	Bottom 3.6% in tier
Assets	$1.1B +2.8% YoY+1.1% QoQ	$-581.3M	$1.7B +0.4% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	16%
Loans	$970.3M +5.2% YoY+2.4% QoQ	$-243.4M	$1.2B +0.2% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	36%
Deposits	$915.6M +3.3% YoY+2.7% QoQ	$-549.9M	$1.5B +0.5% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	Bottom 6.9% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	-0.3% -213.5% YoY-206.8% QoQ	-1.0%	0.7% +27.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	Bottom 0.7% in tier
NIM	4.1% +2.4% YoY+0.4% QoQ	+0.7%	3.4% +6.2% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Top 8.2% in tier
Efficiency Ratio	82.9% +11.6% YoY+8.0% QoQ	+8.3%	74.6% -3.0% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	82%
Delinquency Rate	0.7% +2.7% YoY-11.1% QoQ	-0.1	0.8% +6.9% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	53%
Loan To Share	106.0% +1.9% YoY-0.3% QoQ	+22.8%	83.2% -0.4% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	Top 2.9% in tier
AMR	$39,794 +21.4% YoY+4.1% QoQ	+$10K	$29,652 +2.3% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 10.5% in tier
CD Concentration	21.0% -3.1% YoY-5.0% QoQ	-7.9%	28.8%	22.5%	19.8%	18%
Indirect Auto %	6.2% -17.6% YoY-5.4% QoQ	-11.8%	18.1%	16.1%	7.7%	29%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#5 of 64 • Top 2.4% 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): 21.43%

(Tier: 3.34%, National: 6.36%)

better than tier avg

Share Draft per Member: $5.4K

(Tier: $3.3K, National: $2.1K)

better than tier avg

64 of 384 Mid-Market CUs have this signature | 342 nationally

↑ Growing +9 CUs YoY | Rank improving

Wallet Share Momentum

growth

#9 of 125 • Top 2.4% in tier

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

Why This Signature

AMR Growth (YoY): 21.43%

(Tier: 3.34%, National: 6.36%)

better than tier avg

125 of 384 Mid-Market CUs have this signature | 637 nationally

↑ Growing +31 CUs YoY | New qualifier

Concerns (6)

Membership Headwinds

decline

#4 of 91 • 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): -14.14%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Liquidity Strain

risk

#31 of 148 • Bottom 3.9% in tier

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

Why This Signature

Loan-to-Share Ratio: 105.97%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.22%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Stagnation Risk

risk

#24 of 91 • 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): -14.14%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 5.22%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.67%

(Tier: 0.75%, National: 1.19%)

but better than tier avg

91 of 384 Mid-Market CUs have this signature | 676 nationally

→ No prior data (91 CUs now) | New qualifier

Credit Risk Growth

risk

#163 of 183 • Bottom 53.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.22%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

183 of 384 Mid-Market CUs have this signature | 710 nationally

→ No prior data (183 CUs now) | New qualifier

Credit Quality Pressure

risk

#204 of 225 • Bottom 53.7% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.06% points, National: 0.12% points)

but better than tier avg

225 of 384 Mid-Market CUs have this signature | 1013 nationally

→ Stable (228→225 CUs) -3 CUs YoY | New qualifier

Efficiency Drag

risk

#95 of 100 • Bottom 16.2% in tier

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

Why This Signature

Efficiency Ratio: 82.89%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.60% points

(Tier: 0.14% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -14.14%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 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 306 peers in tier

Top Strengths (6 metrics)

AMR Growth Rate

growth

Value: 21.43%

Peer Median: 3.15%

#7 of 306 Top 2.0% in 1B-3B tier

Loan-to-Share Ratio

balance_sheet

Value: 105.97%

Peer Median: 85.31%

#9 of 306 Top 2.6% in 1B-3B tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,474

Peer Median: $12,733

#15 of 306 Top 4.6% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 4.08%

Peer Median: 3.37%

#25 of 306 Top 7.8% in 1B-3B tier

Average Member Relationship (AMR)

engagement

Value: $39,794

Peer Median: $28,178

#32 of 306 Top 10.1% in 1B-3B tier

Share Certificate Concentration (%)

balance_sheet

Value: 20.99%

Peer Median: 27.93%

#56 of 306 Top 18.0% in 1B-3B tier

Top Weaknesses (8 metrics)

304

Return on Assets (ROA)

profitability

Value: -0.32%

Peer Median: 0.66%

#304 of 306 Bottom 1.0% in 1B-3B tier

302

Member Growth Rate

growth

Value: -14.14%

Peer Median: 2.03%

#302 of 306 Bottom 1.6% in 1B-3B tier

295

Total Members

engagement

Value: 47,393

Peer Median: 85,918

#295 of 306 Bottom 3.9% in 1B-3B tier

289

Net Charge-Off Rate

risk

Value: 1.25%

Peer Median: 0.51%

#289 of 306 Bottom 5.9% in 1B-3B tier

285

Total Deposits

balance_sheet

Value: $915.65M

Peer Median: $1.31B

#285 of 306 Bottom 7.2% in 1B-3B tier

282

Members Per Employee (MPE)

engagement

Value: 258.978

Peer Median: 345.077

#282 of 306 Bottom 8.2% in 1B-3B tier

257

Total Assets

balance_sheet

Value: $1.14B

Peer Median: $1.51B

#257 of 306 Bottom 16.3% in 1B-3B tier

252

Efficiency Ratio

profitability

Value: 82.89%

Peer Median: 75.16%

#252 of 306 Bottom 18.0% in 1B-3B tier