BlastPoint's Credit Union Scorecard
AMERICAN LAKE
Charter #68371 · WA
AMERICAN LAKE has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.39% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.36% below tier average
- - Delinquency rate 0.75% above tier average
- - Member decline: -6.5% YoY
- - Indirect Auto Concentration (%): Bottom 3.2% in tier
- - Net Charge-Off Rate: Bottom 3.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -5.9% year over year ($49.0M in shares and deposits).
- Membership: 4,531 members, -6.5% vs a year ago.
- Delinquency rate 2.30%.
- Return on assets 0.13%.
- Efficiency ratio 79.05% vs a 88.77% peer average.
- Loan-to-share ratio 48.49% vs a 58.89% 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 |
4,531
-6.5% YoY-0.5% QoQ
|
+1.9K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
83% |
| Assets |
$59.6M
-3.1% YoY+1.7% QoQ
|
+$29.3M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
82% |
| Loans |
$23.8M
-5.2% YoY+2.8% QoQ
|
+$8.3M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$49.0M
-5.9% YoY-0.7% QoQ
|
+$23.2M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
81% |
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| ROA |
0.1%
+77.2% YoY-121.8% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 8.6% in tier |
| NIM |
4.3%
+3.2% YoY-0.5% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
79.0%
+2.0% YoY-0.5% QoQ
|
-9.7% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
2.3%
-47.4% YoY-7.9% QoQ
|
+0.8 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
48.5%
+0.8% YoY+3.5% QoQ
|
-10.4% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
34% |
| AMR |
$16,060
+1.0% YoY+0.9% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
14.8%
+12.0% YoY+7.0% QoQ
|
-9.8% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
34.0%
-36.1% YoY-15.0% QoQ
|
+20.3% | 13.6% | 16.0% | 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)