BlastPoint's Credit Union Scorecard
OUR COMMUNITY
Charter #68609 · WA
OUR COMMUNITY 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
- + Profitability Leader: Top 21.2% in tier
- + Credit Quality Leader: Top 55.8% in tier
- + ROA 1.10% above tier average
- + Net Interest Margin 0.26% above tier average
- + Efficiency Ratio: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 10.7% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Loans: Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,095
+0.0% YoY-0.8% QoQ
|
-7.7K |
39,752
-2.7% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$629.1M
+3.5% YoY+1.4% QoQ
|
+$6.7M |
$622.4M
+0.3% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
53% |
| Loans |
$233.6M
-5.9% YoY-4.5% QoQ
|
$-202.3M |
$435.9M
-0.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.0% in tier |
| Deposits |
$548.6M
+2.5% YoY+1.1% QoQ
|
+$10.6M |
$538.0M
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
56% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.8%
+73.7% YoY-6.4% QoQ
|
+1.1% |
0.7%
+33.9% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
Top 3.6% in tier |
| NIM |
3.7%
+4.9% YoY-3.1% QoQ
|
+0.3% |
3.4%
+8.6% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
70% |
| Efficiency Ratio |
61.3%
-9.1% YoY+2.5% QoQ
|
-16.8% |
78.1%
-3.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
Bottom 4.7% in tier |
| Delinquency Rate |
0.2%
-44.6% YoY-26.0% QoQ
|
-0.6 |
0.8%
-4.9% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
Bottom 11.2% in tier |
| Loan To Share |
42.6%
-8.2% YoY-5.5% QoQ
|
-38.4% |
81.0%
-1.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
Bottom 2.4% in tier |
| AMR |
$24,373
-0.2% YoY+0.1% QoQ
|
$-2K |
$26,482
+2.6% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
47% |
| CD Concentration |
26.9%
-3.4% YoY+1.6% QoQ
|
+2.5% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
59% |
| Indirect Auto % |
37.0%
-6.1% YoY-5.9% QoQ
|
+23.0% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
Top 10.8% in tier |
Signature Analysis
Strengths (2)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
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)