BlastPoint's Credit Union Scorecard
OUR COMMUNITY
Charter #68609 · WA
OUR COMMUNITY has 2 strengths but faces 10 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 0.64% above tier average
- + Net Interest Margin 0.21% above tier average
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 30.5% in tier
- - Indirect Auto Dependency: Bottom 46.3% in tier
- - Stagnation Risk: Bottom 56.6% in tier
- - Shrinking Wallet Share: Bottom 79.7% in tier
- - Membership Headwinds: Bottom 80.8% in tier
- - Accelerating Exit Risk: Bottom 87.3% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Loans: Bottom 3.6% in tier
- - Loan Growth Rate: Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,636
-1.2% YoY-1.4% QoQ
|
-6.9K |
38,575
-4.8% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$630.2M
+2.8% YoY+0.2% QoQ
|
+$8.5M |
$621.7M
+0.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
53% |
| Loans |
$228.6M
-10.8% YoY-2.2% QoQ
|
$-201.2M |
$429.8M
-1.8% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.0% in tier |
| Deposits |
$548.2M
+1.4% YoY-0.1% QoQ
|
+$9.5M |
$538.7M
+0.6% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
57% |
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| ROA |
1.3%
+59.6% YoY-26.1% QoQ
|
+0.6% |
0.7%
+42.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.7% in tier |
| NIM |
3.7%
+4.2% YoY-0.9% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
69% |
| Efficiency Ratio |
70.0%
-4.9% YoY+14.2% QoQ
|
-7.5% |
77.5%
-4.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
0.4%
-22.1% YoY+46.2% QoQ
|
-0.5 |
0.8%
-1.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
16% |
| Loan To Share |
41.7%
-12.1% YoY-2.1% QoQ
|
-38.1% |
79.8%
-2.3% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$24,553
-1.3% YoY+0.7% QoQ
|
$-2K |
$26,849
+2.7% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
45% |
| CD Concentration |
26.5%
-1.6% YoY-1.6% QoQ
|
+2.1% | 24.4% | 22.5% | 19.8% | 58% |
| Indirect Auto % |
33.9%
-17.9% YoY-8.4% QoQ
|
+20.1% | 13.8% | 16.8% | 7.8% | Top 13.4% in tier |
Signature Analysis
Strengths (0)
Concerns (6)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
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)