BlastPoint's Credit Union Scorecard
OLYMPIA
Charter #68331 · WA
OLYMPIA has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Loan-to-Member Ratio (LMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Efficiency ratio 3.25% above tier (higher cost structure)
- - Indirect Auto Concentration (%): Bottom 2.8% in tier
- - Net Worth Ratio: Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,756
-1.7% YoY-0.2% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$54.1M
+3.8% YoY+0.4% QoQ
|
+$24.2M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
80% |
| Loans |
$38.6M
-6.0% YoY-2.7% QoQ
|
+$22.8M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 11.5% in tier |
| Deposits |
$49.5M
+4.6% YoY+0.3% QoQ
|
+$24.1M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
-0.0%
-146.4% YoY-89.8% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
4.4%
-0.2% YoY-0.1% QoQ
|
+0.5% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
84.6%
-3.0% YoY-1.2% QoQ
|
+3.3% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.7%
-20.4% YoY-8.2% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
53% |
| Loan To Share |
77.9%
-10.2% YoY-3.0% QoQ
|
+16.7% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
75% |
| AMR |
$23,465
+1.4% YoY-0.9% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.0% in tier |
| CD Concentration |
21.2%
+37.4% YoY+8.2% QoQ
|
-3.3% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
39.8%
-3.1% YoY+1.1% QoQ
|
+25.9% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)