BlastPoint's Credit Union Scorecard
WCLA
Charter #68328 · WA
WCLA has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.93% above tier average
- + Average Member Relationship (AMR): Top 0.1% in tier
- + Loan-to-Member Ratio (LMR): Top 0.1% in tier
- + Loan-to-Share Ratio: Top 1.3% in tier
- + Efficiency Ratio: Top 1.8% in tier
- + Net Worth Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Share Certificate Concentration (%): Bottom 0.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
- Shares and deposits -0.7% year over year ($112M in shares and deposits).
- Membership: 1,376 members, -0.9% vs a year ago.
- Delinquency rate 0.29%.
- Return on assets 1.79%.
- Efficiency ratio 48.28% vs a 76.73% peer average.
- Loan-to-share ratio 105.66% vs a 71.54% 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 |
1,376
-0.9% YoY-0.6% QoQ
|
-13.8K |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Bottom 0.1% in tier |
| Assets |
$141.9M
+0.9% YoY-2.0% QoQ
|
$-90.1M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
27% |
| Loans |
$118.1M
-4.8% YoY-3.5% QoQ
|
$-28.2M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
47% |
| Deposits |
$111.8M
-0.7% YoY-4.3% QoQ
|
$-89.0M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
18% |
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| ROA |
1.8%
+23.1% YoY+15.4% QoQ
|
+0.9% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Top 6.4% in tier |
| NIM |
3.7%
+11.3% YoY+6.1% QoQ
|
+0.0% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
48.3%
-6.3% YoY-9.4% QoQ
|
-28.5% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
0.3%
-62.6% YoY-88.5% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
18% |
| Loan To Share |
105.7%
-4.1% YoY+0.8% QoQ
|
+34.1% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 1.4% in tier |
| AMR |
$167,030
-1.9% YoY-3.3% QoQ
|
+$142K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 0.1% in tier |
| CD Concentration |
61.8%
-1.3% YoY-0.2% QoQ
|
+37.3% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)