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
- + Organic Growth Engine: Top 84.2% in tier
- + Net Interest Margin 0.47% above tier average
- + Members Per Employee (MPE): Top 5.6% in tier
- + Total Members: Top 7.0% in tier
- + Total Loans: Top 8.6% in tier
- + Total Deposits: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 27.7% in tier
- - ROA 0.34% below tier average
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 4.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
163,285
+4.7% YoY+0.6% QoQ
|
+65.9K |
97,431
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 7.3% in tier |
| Assets |
$2.5B
+8.7% YoY+3.4% QoQ
|
+$798.9M |
$1.7B
+0.9% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 14.6% in tier |
| Loans |
$2.0B
+7.9% YoY+6.7% QoQ
|
+$724.8M |
$1.2B
+0.5% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 8.9% in tier |
| Deposits |
$2.2B
+9.0% YoY+3.4% QoQ
|
+$780.0M |
$1.5B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 9.9% in tier |
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| ROA |
0.3%
+34.1% YoY+5.4% QoQ
|
-0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
3.7%
+8.8% YoY-2.0% QoQ
|
+0.5% |
3.3%
+9.2% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
81% |
| Efficiency Ratio |
65.1%
-7.5% YoY+0.2% QoQ
|
-8.9% |
74.1%
-9.5% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.8%
-17.6% YoY-2.4% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
51% |
| Loan To Share |
87.5%
-1.0% YoY+3.2% QoQ
|
+2.7% |
84.8%
-0.8% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$25,713
+3.6% YoY+4.3% QoQ
|
$-4K |
$29,428
+2.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
36% |
| CD Concentration |
28.6%
-8.0% YoY-0.6% QoQ
|
-0.5% | 29.0% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
34.0%
-11.8% YoY-1.7% QoQ
|
+15.7% | 18.3% | 16.8% | 7.8% | 82% |
Signature Analysis
Strengths (1)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)