BlastPoint's Credit Union Scorecard
WCLA
Charter #68328 · WA
1069 CUs in 100M-500M nationally
16 in WA
WCLA has 16 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 10.9% in tier
- + Wallet Share Momentum: Top 20.7% in tier
- + Organic Growth Engine: Top 47.0% in tier
- + Organic Growth Leader: Top 99.5% in tier
- + ROA 0.82% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 0.0% in tier
- + Efficiency Ratio: Top 1.0% in tier
- + Loan-to-Share Ratio: Top 1.2% in tier
- + Net Charge-Off Rate: Top 3.7% in tier
- + Deposit Growth Rate: Top 3.8% in tier
- + Asset Growth Rate: Top 4.5% in tier
- + AMR Growth Rate: Top 7.9% in tier
- + Net Worth Ratio: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.1% in tier
- - Liquidity Strain: Bottom 4.4% in tier
- - Credit Risk Growth: Bottom 5.0% in tier
- - Liquidity Overhang: Bottom 99.2% in tier
- - Delinquency rate 0.99% above tier average
- - Share Certificate Concentration (%): Bottom 0.1% in tier
- - Total Members: Bottom 0.1% in tier
- - Members Per Employee (MPE): Bottom 0.5% in tier
- - Fee Income Per Member: Bottom 6.2% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.5% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,384
+0.5% YoY-0.1% QoQ
|
-14.1K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Bottom 0.0% in tier |
| Assets |
$143.3M
+13.8% YoY+1.2% QoQ
|
$-88.5M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
27% |
| Loans |
$120.7M
+9.7% YoY-3.2% QoQ
|
$-26.6M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
48% |
| Deposits |
$115.9M
+14.6% YoY+2.6% QoQ
|
$-85.0M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
22% |
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| ROA |
1.6%
-1.9% YoY-0.9% QoQ
|
+0.8% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.2% in tier |
| NIM |
3.4%
+3.6% YoY+0.8% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
35% |
| Efficiency Ratio |
48.5%
-0.8% YoY-0.9% QoQ
|
-28.5% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.0% in tier |
| Delinquency Rate |
1.9%
+311.5% YoY-18.8% QoQ
|
+1.0 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 8.5% in tier |
| Loan To Share |
104.2%
-4.3% YoY-5.7% QoQ
|
+32.0% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Top 1.3% in tier |
| AMR |
$170,958
+11.5% YoY-0.3% QoQ
|
+$146K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 0.1% in tier |
| CD Concentration |
62.9%
-0.3% YoY+1.6% QoQ
|
+38.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (4)
Relationship Depth Leader
growth
#30 of 268 • Top 10.9% 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):
11.49%
(Tier:
4.17%, National:
4.00%)
Share Draft per Member:
$7.3K
(Tier: $2.9K, National: $2.0K)
268 of 1069 Mid-Small & Community CUs have this signature |
351 nationally
↑ Growing
+46 CUs YoY
|
Rank improving
Wallet Share Momentum
growth
#107 of 513 • Top 20.7% in tier
Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Why This Signature
AMR Growth (YoY):
11.49%
(Tier:
4.17%, National:
4.00%)
513 of 1069 Mid-Small & Community CUs have this signature |
662 nationally
↑ Growing
+180 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#280 of 595 • Top 47.0% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
0.51%
(Tier:
0.69%, National:
4.32%)
Return on Assets:
1.58%
(Tier:
0.75%, National:
0.67%)
Indirect Auto %:
0.00%
(Tier:
13.79%, National:
7.78%)
595 of 1069 Mid-Small & Community CUs have this signature |
913 nationally
→ No prior data (595 CUs now)
|
New qualifier
Organic Growth Leader
growth
#424 of 426 • Top 99.5% in tier
Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
0.51%
(Tier:
0.69%, National:
4.32%)
Indirect Auto %:
0.00%
(Tier:
13.79%, National:
7.78%)
426 of 1069 Mid-Small & Community CUs have this signature |
609 nationally
→ No prior data (426 CUs now)
|
New qualifier
Concerns (4)
Credit Quality Pressure
risk
#16 of 705 • Bottom 2.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
1.43% points
(Tier:
0.03% points, National:
0.06% points)
705 of 1069 Mid-Small & Community CUs have this signature |
969 nationally
↓ Shrinking
-150 CUs YoY
|
New qualifier
Liquidity Strain
risk
#11 of 228 • Bottom 4.4% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
104.22%
(Tier:
74.08%, National:
67.44%)
Loan Growth (YoY):
9.69%
(Tier:
4.11%, National:
111.96%)
228 of 1069 Mid-Small & Community CUs have this signature |
439 nationally
↓ Shrinking
-37 CUs YoY
|
Rank improving
Credit Risk Growth
risk
#24 of 456 • Bottom 5.0% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
9.69%
(Tier:
4.11%, National:
111.96%)
Delinquency Change (YoY):
1.43% points
(Tier:
0.03% points, National:
0.06% points)
456 of 1069 Mid-Small & Community CUs have this signature |
665 nationally
→ No prior data (456 CUs now)
|
New qualifier
Liquidity Overhang
risk
#134 of 135 • Bottom 99.2% in tier
Exceptional capital position (>16%, top quartile). Strong fundamentals—opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
16.44%
(Tier:
11.97%, National:
14.49%)
Loan-to-Share Ratio:
104.22%
(Tier:
74.08%, National:
67.44%)
135 of 1069 Mid-Small & Community CUs have this signature |
155 nationally
↑ Growing
+17 CUs YoY
|
Rank worsening
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)
Top Strengths (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
Average Member Relationship (AMR)
engagement
Value:
$170,958
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
1
Loan-to-Member Ratio (LMR)
engagement
Value:
$87,247
Peer Median: -
#1 of 1069
Top 0.0% in 100M-500M tier
12
Efficiency Ratio
profitability
Value:
48.47%
Peer Median: -
#12 of 1069
Top 1.0% in 100M-500M tier
14
Loan-to-Share Ratio
balance_sheet
Value:
104.22%
Peer Median: -
#14 of 1069
Top 1.2% in 100M-500M tier
41
Net Charge-Off Rate
risk
Value:
0.03%
Peer Median: -
#41 of 1069
Top 3.7% in 100M-500M tier
42
Deposit Growth Rate
growth
Value:
14.64%
Peer Median: -
#42 of 1069
Top 3.8% in 100M-500M tier
49
Asset Growth Rate
growth
Value:
13.83%
Peer Median: -
#49 of 1069
Top 4.5% in 100M-500M tier
85
AMR Growth Rate
growth
Value:
11.49%
Peer Median: -
#85 of 1069
Top 7.9% in 100M-500M tier
Top Weaknesses (6 metrics)
1069
Share Certificate Concentration (%)
balance_sheet
Value:
62.86%
Peer Median: -
#1069 of 1069
Bottom 0.1% in 100M-500M tier
1069
Total Members
engagement
Value:
1,384
Peer Median: -
#1069 of 1069
Bottom 0.1% in 100M-500M tier
1065
Members Per Employee (MPE)
engagement
Value:
138.400
Peer Median: -
#1065 of 1069
Bottom 0.5% in 100M-500M tier
1004
Fee Income Per Member
profitability
Value:
$77.15
Peer Median: -
#1004 of 1069
Bottom 6.2% in 100M-500M tier
979
Total Delinquency Rate (60+ days)
risk
Value:
1.89%
Peer Median: -
#979 of 1069
Bottom 8.5% in 100M-500M tier
838
Total Deposits
balance_sheet
Value:
$115.86M
Peer Median: -
#838 of 1069
Bottom 21.7% in 100M-500M tier