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 0.22% above tier average
- + Total Deposits: Top 4.0% in tier
- + Total Loans: Top 4.9% in tier
- + Total Assets: Top 5.3% in tier
- + Total Members: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Member decline: -5.6% YoY
- - Indirect Auto Concentration (%): Bottom 1.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,003
-5.6% YoY-1.7% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
Top 9.3% in tier |
| Assets |
$85.4M
+6.8% YoY+1.9% QoQ
|
+$55.6M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 5.4% in tier |
| Loans |
$51.3M
-3.7% YoY-3.5% QoQ
|
+$35.6M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 4.9% in tier |
| Deposits |
$77.0M
+6.1% YoY+1.9% QoQ
|
+$51.5M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 4.1% in tier |
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| ROA |
0.7%
-39.8% YoY-21.1% QoQ
|
-0.0% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
44% |
| NIM |
4.2%
-7.8% YoY-0.8% QoQ
|
+0.2% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
60% |
| Efficiency Ratio |
73.1%
+7.0% YoY+1.0% QoQ
|
-8.3% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.1%
+17.4% YoY+7.4% QoQ
|
-0.4 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
64% |
| Loan To Share |
66.7%
-9.3% YoY-5.3% QoQ
|
+5.4% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
57% |
| AMR |
$21,373
+8.0% YoY+1.4% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
84% |
| CD Concentration |
18.3%
+55.8% YoY+4.4% QoQ
|
-6.1% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
51.1%
-21.7% YoY-4.1% QoQ
|
+37.1% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)