BlastPoint's Credit Union Scorecard
KITSAP
Charter #68576 · WA
KITSAP has 6 strengths but faces 4 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 32.9% in tier
- + Net Interest Margin 0.55% above tier average
- + Total Members: Top 6.9% in tier
- + Total Loans: Top 7.8% in tier
- + Members Per Employee (MPE): Top 7.8% in tier
- + Total Deposits: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 25.8% in tier
- - ROA 0.44% below tier average
- - Net Worth Ratio: Bottom 4.6% in tier
- - Net Charge-Off Rate: Bottom 7.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
165,074
+4.1% YoY+1.1% QoQ
|
+69.0K |
96,048
-2.7% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
Top 7.2% in tier |
| Assets |
$2.5B
+8.2% YoY-0.1% QoQ
|
+$800.7M |
$1.7B
+0.4% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 14.4% in tier |
| Loans |
$2.0B
+8.5% YoY+1.1% QoQ
|
+$768.0M |
$1.2B
+0.2% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.2% in tier |
| Deposits |
$2.3B
+10.1% YoY+1.8% QoQ
|
+$814.0M |
$1.5B
+0.5% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 9.5% in tier |
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| ROA |
0.3%
-4.6% YoY-20.6% QoQ
|
-0.4% |
0.7%
+27.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Bottom 13.7% in tier |
| NIM |
3.9%
+4.6% YoY+4.3% QoQ
|
+0.5% |
3.4%
+6.2% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Top 14.4% in tier |
| Efficiency Ratio |
70.5%
+7.1% YoY+8.3% QoQ
|
-4.1% |
74.6%
-3.0% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
0.7%
-16.8% YoY-7.5% QoQ
|
+0.0 |
0.8%
+6.9% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
86.9%
-1.5% YoY-0.6% QoQ
|
+3.8% |
83.2%
-0.4% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$25,814
+5.0% YoY+0.4% QoQ
|
$-4K |
$29,652
+2.3% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
35% |
| CD Concentration |
29.1%
+2.8% YoY+2.0% QoQ
|
+0.3% | 28.8% | 22.5% | 19.8% | 52% |
| Indirect Auto % |
35.4%
-9.6% YoY+4.1% QoQ
|
+17.3% | 18.1% | 16.1% | 7.7% | 84% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)