BlastPoint's Credit Union Scorecard
SNOCOPE
Charter #68622 · WA
SNOCOPE has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Total Deposits: Top 3.4% in tier
- + Total Assets: Top 5.4% in tier
- + Total Loans: Top 5.9% in tier
- + Total Members: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Member decline: -5.4% YoY
- - Indirect Auto Concentration (%): Bottom 1.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,939
-5.4% YoY-1.1% QoQ
|
+3.3K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
Top 9.3% in tier |
| Assets |
$86.3M
+5.6% YoY+1.0% QoQ
|
+$56.1M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 5.4% in tier |
| Loans |
$49.4M
-12.6% YoY-3.7% QoQ
|
+$33.6M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 5.9% in tier |
| Deposits |
$78.4M
+5.6% YoY+1.8% QoQ
|
+$52.7M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 3.4% in tier |
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| ROA |
0.4%
-58.9% YoY-31.6% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
4.1%
-8.5% YoY-1.6% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
58% |
| Efficiency Ratio |
78.3%
+15.3% YoY+7.0% QoQ
|
-4.3% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
47% |
| Delinquency Rate |
1.4%
+39.3% YoY+28.6% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
63.0%
-17.2% YoY-5.4% QoQ
|
+2.4% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
53% |
| AMR |
$21,514
+3.2% YoY+0.7% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
84% |
| CD Concentration |
20.9%
+29.5% YoY+13.8% QoQ
|
-3.6% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
49.1%
-15.6% YoY-3.9% QoQ
|
+35.3% | 13.8% | 16.8% | 7.8% | 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)