BlastPoint's Credit Union Scorecard
AMERICAN LAKE
Charter #68371 · WA
AMERICAN LAKE has 1 strength but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.44% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
- - Delinquency rate 1.36% above tier average
- - Member decline: -7.9% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
- - Net Charge-Off Rate: Bottom 2.6% in tier
- - Member Growth Rate: Bottom 8.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,807
-7.9% YoY-0.8% QoQ
|
+2.2K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$59.0M
-3.0% YoY-4.1% QoQ
|
+$29.1M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
82% |
| Loans |
$24.5M
-5.6% YoY-2.1% QoQ
|
+$8.7M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
76% |
| Deposits |
$50.0M
-2.4% YoY-4.1% QoQ
|
+$24.5M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
82% |
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| ROA |
-0.0%
-47.9% YoY-117.3% QoQ
|
-0.7% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
16% |
| NIM |
4.4%
+7.4% YoY+5.2% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
69% |
| Efficiency Ratio |
73.6%
-5.3% YoY-5.0% QoQ
|
-7.8% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
39% |
| Delinquency Rate |
2.9%
-46.6% YoY-34.3% QoQ
|
+1.4 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Top 12.7% in tier |
| Loan To Share |
49.1%
-3.3% YoY+2.0% QoQ
|
-12.2% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
31% |
| AMR |
$15,492
+4.9% YoY-2.6% QoQ
|
+$865 |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
12.9%
+26.7% YoY-2.3% QoQ
|
-11.5% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
48.3%
-12.3% YoY-9.1% QoQ
|
+34.3% |
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)