BlastPoint's Credit Union Scorecard
AMERICAN LAKE
Charter #68371 · WA
AMERICAN LAKE has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.30% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.76% below tier average
- - Delinquency rate 0.99% above tier average
- - Member decline: -6.2% YoY
- - Indirect Auto Concentration (%): Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 3.5% in tier
- - Deposit Growth Rate: Bottom 8.9% in tier
- - Asset Growth Rate: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,552
-6.2% YoY-0.9% QoQ
|
+1.9K |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
84% |
| Assets |
$58.6M
-7.0% YoY-1.7% QoQ
|
+$28.4M |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
82% |
| Loans |
$23.1M
-10.1% YoY-0.6% QoQ
|
+$7.8M |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
76% |
| Deposits |
$49.3M
-8.4% YoY-2.0% QoQ
|
+$23.5M |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
82% |
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| ROA | -0.6% | -0.8% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 12.0% in tier |
| NIM |
4.3%
+4.4% YoY-2.9% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
71% |
| Efficiency Ratio |
79.4%
+1.5% YoY+3.8% QoQ
|
-11.2% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
2.5%
-41.8% YoY-27.1% QoQ
|
+1.0 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 14.4% in tier |
| Loan To Share |
46.8%
-1.8% YoY+1.4% QoQ
|
-11.7% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
32% |
| AMR |
$15,912
-3.0% YoY-0.7% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
13.8%
+7.0% YoY+5.7% QoQ
|
-10.5% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
39.9%
-31.5% YoY-11.9% QoQ
|
+26.1% | 13.8% | 16.1% | 7.7% | 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)