BlastPoint's Credit Union Scorecard

OUR COMMUNITY

Charter #68609 · WA

Community 500M-750M

167 CUs in 500M-750M nationally 4 in WA

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OUR COMMUNITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.44% above tier average
+ First Mortgage Concentration (%): Top 3.0% in tier

Key Concerns

Areas that may need attention

- Institutional Decline: Bottom 14.1% in tier
- Margin Compression: Bottom 22.3% in tier
- Credit Quality Pressure: Bottom 43.2% in tier
- Indirect Auto Dependency: Bottom 62.6% in tier
- Stagnation Risk: Bottom 90.8% in tier
- Membership Headwinds: Bottom 90.8% in tier
- Member decline: -5.2% YoY
- Loan Growth Rate: Bottom 3.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	30,609 -5.2% YoY-3.2% QoQ	-7.5K	38,079 -4.8% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	23%
Assets	$640.3M +2.7% YoY+1.6% QoQ	+$20.6M	$619.7M -0.2% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	56%
Loans	$225.3M -11.7% YoY-1.5% QoQ	$-194.1M	$419.3M -1.4% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Bottom 3.6% in tier
Deposits	$555.3M +1.3% YoY+1.3% QoQ	+$15.8M	$539.5M -0.1% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	61%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.1% -25.7% YoY-12.7% QoQ	+0.4%	0.7% +36.0% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	80%
NIM	3.5% -4.6% YoY-5.3% QoQ	+0.0%	3.5% +4.5% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	48%
Efficiency Ratio	67.4% +4.0% YoY-3.8% QoQ	-11.0%	78.4% -3.7% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	Top 14.4% in tier
Delinquency Rate	0.4% +14.4% YoY+18.5% QoQ	-0.3	0.7% -0.9% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	32%
Loan To Share	40.6% -12.9% YoY-2.7% QoQ	-37.1%	77.7% -1.2% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	Bottom 3.0% in tier
AMR	$25,500 +2.5% YoY+3.9% QoQ	$-1K	$26,927 +3.1% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	48%
CD Concentration	27.4% +3.2% YoY+3.3% QoQ	+3.1%	24.3%	22.5%	19.8%	63%
Indirect Auto %	30.3% -26.3% YoY-10.5% QoQ	+16.5%	13.8%	16.1%	7.7%	84%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Institutional Decline

decline

#3 of 250 • Bottom 14.1% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $640.31M

(Tier: $334.04M, National: $578.34M)

but better than tier avg

Member Growth (YoY): -5.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -11.74%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 284 Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Margin Compression

decline

#14 of 133 • Bottom 22.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.13%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.52%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.39% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Stagnation Risk

risk

#70 of 570 • Bottom 90.8% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -5.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -11.74%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.43%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Membership Headwinds

decline

#124 of 570 • Bottom 90.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -5.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

676 nationally

→ No prior data (570 CUs now) | New qualifier

Indirect Auto Dependency

risk

#185 of 504 • Bottom 62.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.72%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 30.32%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -5.19%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#576 of 727 • Bottom 43.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

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)

Compare against:

Comparing against 167 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 11.02%

Peer Median: 32.87%

#6 of 167 Top 3.0% in 500M-750M tier

Efficiency Ratio

profitability

Value: 67.38%

Peer Median: 78.61%

#25 of 167 Top 14.4% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.13%

Peer Median: 0.61%

#33 of 167 Top 19.2% in 500M-750M tier

Net Worth Ratio

risk

Value: 12.41%

Peer Median: 10.35%

#39 of 167 Top 22.8% in 500M-750M tier

Top Weaknesses (8 metrics)

163

Loan Growth Rate

growth

Value: -11.74%

Peer Median: 4.25%

#163 of 167 Bottom 3.0% in 500M-750M tier

162

Loan-to-Share Ratio

balance_sheet

Value: 40.57%

Peer Median: 79.97%

#162 of 167 Bottom 3.6% in 500M-750M tier

161

Total Loans

balance_sheet

Value: $225.28M

Peer Median: $427.27M

#161 of 167 Bottom 4.2% in 500M-750M tier

157

Member Growth Rate

growth

Value: -5.19%

Peer Median: 1.03%

#157 of 167 Bottom 6.6% in 500M-750M tier

149

Loan-to-Member Ratio (LMR)

engagement

Value: $7,360

Peer Median: $11,231

#149 of 167 Bottom 11.4% in 500M-750M tier

136

Indirect Auto Concentration (%)

balance_sheet

Value: 30.32%

Peer Median: 10.91%

#136 of 167 Bottom 19.2% in 500M-750M tier

129

Total Members

engagement

Value: 30,609

Peer Median: 36,874

#129 of 167 Bottom 23.4% in 500M-750M tier

128

Deposit Growth Rate

growth

Value: 1.32%

Peer Median: 4.02%

#128 of 167 Bottom 24.0% in 500M-750M tier