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 0.49% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Delinquency rate 1.87% above tier average
- - Member decline: -5.9% YoY
- - Indirect Auto Concentration (%): Bottom 2.0% in tier
- - Net Charge-Off Rate: Bottom 2.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,594
-5.9% YoY-4.4% QoQ
|
+2.0K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$59.6M
-3.9% YoY+1.0% QoQ
|
+$29.4M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
83% |
| Loans |
$23.2M
-2.4% YoY-5.2% QoQ
|
+$7.5M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$50.4M
-3.8% YoY+0.8% QoQ
|
+$24.7M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
82% |
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| ROA |
0.0%
-104.9% YoY-198.1% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
17% |
| NIM |
4.4%
+10.5% YoY+1.6% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
76.5%
-1.6% YoY+3.9% QoQ
|
-6.1% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
42% |
| Delinquency Rate |
3.4%
-29.4% YoY+19.3% QoQ
|
+1.9 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
Top 11.0% in tier |
| Loan To Share |
46.2%
+1.5% YoY-5.9% QoQ
|
-14.4% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
28% |
| AMR |
$16,021
+2.7% YoY+3.4% QoQ
|
+$1K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
13.1%
+12.4% YoY+1.4% QoQ
|
-11.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
45.3%
-15.9% YoY-6.1% QoQ
|
+31.5% | 13.8% | 16.8% | 7.8% | 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)