BlastPoint's Credit Union Scorecard
SNOCOPE
Charter #68622 · WA
SNOCOPE has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Total Deposits: Top 2.5% in tier
- + Total Assets: Top 4.3% in tier
- + Total Loans: Top 5.1% in tier
- + Total Members: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.1% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,882
-5.1% YoY-1.0% QoQ
|
+3.2K |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
Top 9.2% in tier |
| Assets |
$89.0M
+5.5% YoY+3.2% QoQ
|
+$58.8M |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 4.3% in tier |
| Loans |
$49.3M
-10.3% YoY-0.1% QoQ
|
+$34.1M |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 5.2% in tier |
| Deposits |
$80.5M
+5.4% YoY+2.7% QoQ
|
+$54.7M |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 2.5% in tier |
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| ROA |
0.3%
-65.3% YoY-34.6% QoQ
|
+0.1% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
35% |
| NIM |
3.8%
-9.4% YoY-6.2% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
50% |
| Efficiency Ratio |
82.2%
+8.9% YoY+5.1% QoQ
|
-8.4% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
1.1%
-13.7% YoY-26.0% QoQ
|
-0.5 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
65% |
| Loan To Share |
61.3%
-15.0% YoY-2.8% QoQ
|
+2.8% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$22,077
+4.2% YoY+2.6% QoQ
|
+$7K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
85% |
| CD Concentration |
20.6%
+21.8% YoY-1.1% QoQ
|
-3.6% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
47.6%
-14.1% YoY-3.1% QoQ
|
+33.8% | 13.8% | 16.1% | 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)