BlastPoint's Credit Union Scorecard
OUR COMMUNITY
Charter #68609 · WA
OUR COMMUNITY has 2 strengths but faces 8 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
- + ROA 0.34% above tier average
- + First Mortgage Concentration (%): Top 4.2% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 5.0% in tier
- - Institutional Decline: Bottom 14.2% in tier
- - Margin Compression: Bottom 25.3% in tier
- - Credit Quality Pressure: Bottom 31.3% in tier
- - Indirect Auto Dependency: Bottom 61.9% in tier
- - Stagnation Risk: Bottom 74.9% in tier
- - Membership Headwinds: Bottom 74.9% in tier
- - Member decline: -2.1% YoY
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Washington.
- Shares and deposits +1.7% year over year ($552M in shares and deposits).
- Membership: 31,656 members, -2.1% vs a year ago.
- Delinquency rate 0.48%.
- Return on assets 1.16%.
- Efficiency ratio 70.18% vs a 76.56% peer average.
- Loan-to-share ratio 40.73% vs a 79.33% 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 |
31,656
-2.1% YoY+3.4% QoQ
|
-6.2K |
37,897
-5.0% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
28% |
| Assets |
$638.3M
+2.9% YoY-0.3% QoQ
|
+$15.9M |
$622.4M
+0.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
56% |
| Loans |
$224.8M
-8.1% YoY-0.2% QoQ
|
$-203.7M |
$428.5M
-0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.6% in tier |
| Deposits |
$551.8M
+1.7% YoY-0.6% QoQ
|
+$12.1M |
$539.8M
+0.9% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
58% |
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| ROA |
1.2%
-38.1% YoY+2.5% QoQ
|
+0.3% |
0.8%
+39.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
3.5%
-7.0% YoY+2.2% QoQ
|
+0.0% |
3.5%
+5.0% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
70.2%
+17.3% YoY+4.2% QoQ
|
-6.4% |
76.6%
-3.6% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
22% |
| Delinquency Rate |
0.5%
+44.4% YoY+12.6% QoQ
|
-0.3 |
0.8%
+3.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
30% |
| Loan To Share |
40.7%
-9.7% YoY+0.4% QoQ
|
-38.6% |
79.3%
-1.4% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.0% in tier |
| AMR |
$24,533
+0.8% YoY-3.8% QoQ
|
$-3K |
$27,294
+4.1% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
42% |
| CD Concentration |
28.1%
+6.2% YoY+2.8% QoQ
|
+3.6% | 24.6% | 22.7% | 20.0% | 65% |
| Indirect Auto % |
26.7%
-32.0% YoY-12.0% QoQ
|
+13.1% | 13.6% | 16.0% | 7.7% | 81% |
Signature Analysis
Strengths (0)
Concerns (7)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)