BlastPoint's Credit Union Scorecard
SNOCOPE
Charter #68622 · WA
SNOCOPE has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 2.5% in tier
- + Total Assets: Top 4.4% in tier
- + Total Loans: Top 5.5% in tier
- + Total Members: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.12% below tier average
- - Member decline: -5.2% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits +6.3% year over year ($80.4M in shares and deposits).
- Membership: 5,790 members, -5.2% vs a year ago.
- Delinquency rate 0.93%.
- Return on assets 0.38%.
- Efficiency ratio 80.43% vs a 88.77% peer average.
- Loan-to-share ratio 61.01% vs a 58.89% 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 |
5,790
-5.2% YoY-1.6% QoQ
|
+3.2K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Top 9.8% in tier |
| Assets |
$88.7M
+5.8% YoY-0.4% QoQ
|
+$58.4M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 4.5% in tier |
| Loans |
$49.0M
-7.8% YoY-0.6% QoQ
|
+$33.6M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 5.6% in tier |
| Deposits |
$80.4M
+6.3% YoY-0.2% QoQ
|
+$54.5M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 2.5% in tier |
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| ROA |
0.4%
-54.8% YoY+27.9% QoQ
|
-1.1% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
23% |
| NIM |
3.9%
-7.7% YoY+0.7% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
49% |
| Efficiency Ratio |
80.4%
+11.1% YoY-2.2% QoQ
|
-8.3% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
0.9%
-9.3% YoY-11.2% QoQ
|
-0.6 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
59% |
| Loan To Share |
61.0%
-13.3% YoY-0.4% QoQ
|
+2.1% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
53% |
| AMR |
$22,345
+6.0% YoY+1.2% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 14.9% in tier |
| CD Concentration |
21.0%
+19.4% YoY+1.7% QoQ
|
-3.6% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
44.6%
-16.4% YoY-6.3% QoQ
|
+31.0% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)