BlastPoint's Credit Union Scorecard
KITSAP
Charter #68576 · WA
KITSAP has 4 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 33.8% in tier
- + Net Interest Margin 0.56% above tier average
- + Members Per Employee (MPE): Top 5.9% in tier
- + Total Members: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 8.8% in tier
- - ROA 0.37% below tier average
- - Net Charge-Off Rate: Bottom 2.3% in tier
- - Net Worth Ratio: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
162,341
+0.7% YoY+1.1% QoQ
|
+63.7K |
98,678
-1.9% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Top 8.6% in tier |
| Assets |
$2.4B
+4.6% YoY+4.0% QoQ
|
+$719.1M |
$1.7B
+0.5% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
83% |
| Loans |
$1.8B
+1.2% YoY-0.7% QoQ
|
+$603.8M |
$1.2B
+0.5% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 13.5% in tier |
| Deposits |
$2.2B
+6.0% YoY+4.7% QoQ
|
+$712.1M |
$1.5B
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 11.8% in tier |
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| ROA |
0.3%
+62.3% YoY+59.7% QoQ
|
-0.4% |
0.7%
+13.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
17% |
| NIM |
3.8%
+13.1% YoY-0.6% QoQ
|
+0.6% |
3.3%
+9.3% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
83% |
| Efficiency Ratio |
65.0%
-9.0% YoY-1.3% QoQ
|
-9.0% |
74.0%
-10.9% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
17% |
| Delinquency Rate |
0.8%
-10.4% YoY-16.4% QoQ
|
-0.0 |
0.8%
+6.1% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
61% |
| Loan To Share |
84.8%
-4.5% YoY-5.1% QoQ
|
-0.4% |
85.2%
-0.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
40% |
| AMR |
$24,660
+3.0% YoY+1.0% QoQ
|
$-5K |
$29,172
+2.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
32% |
| CD Concentration |
28.7%
-7.1% YoY+2.2% QoQ
|
-0.2% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
51% |
| Indirect Auto % |
34.6%
-9.6% YoY-12.3% QoQ
|
+15.8% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)