BlastPoint's Credit Union Scorecard

WCLA

Charter #68328 · WA

1077 CUs in 100M-500M nationally 18 in WA

WCLA has 14 strengths but faces 10 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 4.7% in tier
+ Organic Growth Leader: Top 16.6% in tier
+ Relationship Depth Leader: Top 33.2% in tier
+ Profitability Leader: Top 33.9% in tier
+ Emerging Performer: Top 34.2% in tier
+ Wallet Share Momentum: Top 68.3% in tier
+ ROA 0.81% above tier average
+ Indirect Auto 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
+ Loan-to-Share Ratio: Top 0.8% in tier
+ First Mortgage Concentration (%): Top 0.8% in tier
+ Efficiency Ratio: Top 1.7% in tier
+ Net Charge-Off Rate: Top 5.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 0.7% in tier
- Credit Risk Growth: Bottom 1.1% in tier
- Credit Quality Pressure: Bottom 1.3% in tier
- Liquidity Overhang: Bottom 100.0% in tier
- Delinquency rate 1.47% above tier average
- Share Certificate Concentration (%): Bottom 0.1% in tier
- Total Members: Bottom 0.1% in tier
- Members Per Employee (MPE): Bottom 0.4% in tier
- Total Delinquency Rate (60+ days): Bottom 4.5% in tier
- Fee Income Per Member: Bottom 7.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	1,386 +2.4% YoY-0.2% QoQ	-14.2K	15,628 -3.4% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	Bottom 0.0% in tier
Assets	$141.7M +9.3% YoY+0.7% QoQ	$-89.6M	$231.3M -0.0% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	27%
Loans	$124.7M +10.6% YoY+0.6% QoQ	$-23.1M	$147.8M -1.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	50%
Deposits	$112.9M +7.1% YoY+0.3% QoQ	$-87.4M	$200.3M -0.0% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	20%

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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	1.6% +0.0% YoY+9.4% QoQ	+0.8%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	Top 9.4% in tier
NIM	3.3% +5.7% YoY+1.3% QoQ	-0.3%	3.6% +6.9% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	48.9% -0.9% YoY-5.0% QoQ	-28.4%	77.3% -3.0% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	Bottom 1.7% in tier
Delinquency Rate	2.3% +93.4% YoY+201.6% QoQ	+1.5	0.9% +7.6% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	Top 4.5% in tier
Loan To Share	110.5% +3.3% YoY+0.3% QoQ	+37.8%	72.7% -1.5% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	Top 0.9% in tier
AMR	$171,426 +6.3% YoY+0.7% QoQ	+$147K	$24,363 +2.9% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 0.1% in tier
CD Concentration	61.9% +0.4% YoY-1.2% QoQ	+37.5%	24.4% +4.2% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (6)

Organic Growth Engine

growth

#87 of 603 • Top 4.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#220 of 430 • Top 16.6% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.44%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#86 of 257 • Top 33.2% 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): 6.33%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $7.5K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Profitability Leader

growth

#116 of 340 • Top 33.9% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.00% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Emerging Performer

growth

#66 of 191 • Top 34.2% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.59%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 2.44%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#329 of 481 • Top 68.3% in tier

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

Why This Signature

AMR Growth (YoY): 6.33%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (4)

Liquidity Strain

risk

#6 of 258 • Bottom 0.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 110.50%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 10.64%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#18 of 446 • Bottom 1.1% in tier

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

Why This Signature

Loan Growth (YoY): 10.64%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#33 of 736 • Bottom 1.3% in tier

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

Why This Signature

Delinquency Change (YoY): 1.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Overhang

risk

#134 of 134 • Bottom 100.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature

Net Worth Ratio: 16.23%

(Tier: 11.95%, National: 14.51%)

but better than tier avg

Loan-to-Share Ratio: 110.50%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

134 of 1077 Community CUs have this signature | 155 nationally

↑ Growing +25 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (14 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $171,426

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $89,990

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Loan-to-Share Ratio

balance_sheet

Value: 110.50%

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#10 of 1077 Top 0.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 48.90%

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Net Charge-Off Rate

risk

Value: 0.03%

Peer Avg: -

#55 of 1077 Top 5.0% in 100M-500M tier

101

Return on Assets (ROA)

profitability

Value: 1.59%

Peer Avg: -

#101 of 1077 Top 9.3% in 100M-500M tier

112

Net Worth Ratio

risk

Value: 16.23%

Peer Avg: -

#112 of 1077 Top 10.3% in 100M-500M tier

145

Loan Growth Rate

growth

Value: 10.64%

Peer Avg: -

#145 of 1077 Top 13.4% in 100M-500M tier

Top Weaknesses (6 metrics)

1077

Share Certificate Concentration (%)

balance_sheet

Value: 61.87%

Peer Avg: -

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1077

Total Members

engagement

Value: 1,386

Peer Avg: -

#1077 of 1077 Bottom 0.1% in 100M-500M tier

1074

Members Per Employee (MPE)

engagement

Value: 138.600

Peer Avg: -

#1074 of 1077 Bottom 0.4% in 100M-500M tier

1030

Total Delinquency Rate (60+ days)

risk

Value: 2.32%

Peer Avg: -

#1030 of 1077 Bottom 4.5% in 100M-500M tier

1000

Fee Income Per Member

profitability

Value: $78.00

Peer Avg: -

#1000 of 1077 Bottom 7.2% in 100M-500M tier

865

Total Deposits

balance_sheet

Value: $112.87M

Peer Avg: -

#865 of 1077 Bottom 19.8% in 100M-500M tier