BlastPoint's Credit Union Scorecard

CHENEY

Charter #7101 · WA

1077 CUs in 100M-500M nationally 18 in WA

CHENEY has 2 strengths but faces 6 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Credit Quality Leader: Top 52.5% in tier
+ Relationship Depth Leader: Top 92.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.3% in tier
- Credit Risk Growth: Bottom 26.7% in tier
- Indirect Auto Dependency: Bottom 31.0% in tier
- ROA 0.21% below tier average
- Net Interest Margin (NIM): Bottom 5.7% in tier
- Total Members: Bottom 7.1% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	6,428 -0.0% YoY+0.4% QoQ	-9.2K	15,628 -3.4% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	Bottom 7.1% in tier
Assets	$142.1M +2.3% YoY+0.4% QoQ	$-89.2M	$231.3M -0.0% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	27%
Loans	$76.3M +1.2% YoY+0.8% QoQ	$-71.5M	$147.8M -1.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	19%
Deposits	$127.1M +2.0% YoY+0.7% QoQ	$-73.2M	$200.3M -0.0% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	29%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +73.5% YoY+15.9% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	38%
NIM	2.5% +19.3% YoY+3.5% QoQ	-1.1%	3.6% +6.9% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	Bottom 5.6% in tier
Efficiency Ratio	74.0% -12.5% YoY-2.7% QoQ	-3.2%	77.3% -3.0% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	38%
Delinquency Rate	0.2% +102.5% YoY-49.5% QoQ	-0.6	0.9% +7.6% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	Bottom 13.9% in tier
Loan To Share	60.0% -0.8% YoY+0.1% QoQ	-12.7%	72.7% -1.5% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	22%
AMR	$31,650 +1.7% YoY+0.3% QoQ	+$7K	$24,363 +2.9% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 13.4% in tier
CD Concentration	23.9% +1.3% YoY+2.0% QoQ	-0.5%	24.4% +4.2% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	15.3% -18.5% YoY-5.7% QoQ	+1.3%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#179 of 340 • Top 52.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.24%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#237 of 257 • Top 92.2% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 1.72%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $4.0K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#454 of 736 • Bottom 18.3% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Credit Risk Growth

risk

#401 of 446 • Bottom 26.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 1.18%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.12% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Indirect Auto Dependency

risk

#498 of 525 • Bottom 31.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 2.28%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 15.28%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -0.02%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (3 metrics)

144

Average Member Relationship (AMR)

engagement

Value: $31,650

Peer Avg: -

#144 of 1077 Top 13.3% in 100M-500M tier

151

Total Delinquency Rate (60+ days)

risk

Value: 0.24%

Peer Avg: -

#151 of 1077 Top 13.9% in 100M-500M tier

268

Loan-to-Member Ratio (LMR)

engagement

Value: $11,875

Peer Avg: -

#268 of 1077 Top 24.8% in 100M-500M tier

Top Weaknesses (5 metrics)

1017

Net Interest Margin (NIM)

profitability

Value: 2.45%

Peer Avg: -

#1017 of 1077 Bottom 5.7% in 100M-500M tier

1001

Total Members

engagement

Value: 6,428

Peer Avg: -

#1001 of 1077 Bottom 7.1% in 100M-500M tier

952

First Mortgage Concentration (%)

balance_sheet

Value: 52.09%

Peer Avg: -

#952 of 1077 Bottom 11.7% in 100M-500M tier

869

Total Loans

balance_sheet

Value: $76.33M

Peer Avg: -

#869 of 1077 Bottom 19.4% in 100M-500M tier

844

Loan-to-Share Ratio

balance_sheet

Value: 60.05%

Peer Avg: -

#844 of 1077 Bottom 21.7% in 100M-500M tier