BlastPoint's Credit Union Scorecard
KITSAP
Charter #68576 · WA
KITSAP has 5 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 32.0% in tier
- + Net Interest Margin 0.54% above tier average
- + Total Members: Top 6.3% in tier
- + Members Per Employee (MPE): Top 7.3% in tier
- + Total Loans: Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 36.0% in tier
- - ROA 0.50% below tier average
- - Net Charge-Off Rate: Bottom 4.7% in tier
- - Net Worth Ratio: Bottom 5.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits +9.4% year over year ($2.26B in shares and deposits).
- Membership: 166,096 members, +3.4% vs a year ago.
- Delinquency rate 0.79%.
- Return on assets 0.32%.
- Efficiency ratio 69.75% vs a 73.02% peer average.
- Loan-to-share ratio 88.73% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
166,096
+3.4% YoY+0.6% QoQ
|
+69.2K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Top 6.7% in tier |
| Assets |
$2.5B
+6.9% YoY-0.5% QoQ
|
+$782.7M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 14.7% in tier |
| Loans |
$2.0B
+8.6% YoY+1.4% QoQ
|
+$775.2M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 8.0% in tier |
| Deposits |
$2.3B
+9.4% YoY-0.6% QoQ
|
+$801.4M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 10.7% in tier |
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| ROA |
0.3%
+55.2% YoY+16.2% QoQ
|
-0.5% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 12.7% in tier |
| NIM |
4.0%
+3.2% YoY+1.6% QoQ
|
+0.5% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
84% |
| Efficiency Ratio |
69.7%
+5.9% YoY-1.1% QoQ
|
-3.3% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
0.8%
-18.3% YoY+8.4% QoQ
|
-0.1 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
88.7%
-0.7% YoY+2.1% QoQ
|
+4.0% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$25,733
+5.4% YoY-0.3% QoQ
|
$-4K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
35% |
| CD Concentration |
29.1%
+3.5% YoY-0.1% QoQ
|
+0.0% | 29.1% | 22.7% | 20.0% | 51% |
| Indirect Auto % |
36.1%
-8.4% YoY+2.2% QoQ
|
+18.1% | 18.1% | 16.0% | 7.7% | Bottom 14.7% in tier |
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)