BlastPoint's Credit Union Scorecard

CASCADE

Charter #7748 · WA

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

CASCADE has 4 strengths but faces 9 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

+ Relationship Depth Leader: Top 80.5% in tier
+ Fee Income Per Member: Top 1.7% in tier
+ Average Member Relationship (AMR): Top 4.3% in tier
+ Loan Growth Rate: Top 8.2% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.0% in tier
- Credit Quality Pressure: Bottom 4.2% in tier
- Flatlined Growth: Bottom 32.0% in tier
- Deposit Outflow: Bottom 45.0% in tier
- ROA 0.23% below tier average
- Delinquency rate 0.10% above tier average
- Net Interest Margin (NIM): Bottom 2.0% in tier
- Deposit Growth Rate: Bottom 8.1% in tier
- Share Certificate Concentration (%): Bottom 8.6% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	10,906 +0.1% YoY-0.9% QoQ	-4.7K	15,628 -3.4% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	35%
Assets	$343.8M -1.0% YoY+0.6% QoQ	+$112.5M	$231.3M -0.0% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	80%
Loans	$162.6M +13.9% YoY+6.0% QoQ	+$14.8M	$147.8M -1.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	65%
Deposits	$308.4M -2.5% YoY-1.9% QoQ	+$108.1M	$200.3M -0.0% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	83%

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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% -224.5% YoY+349.3% QoQ	-0.2%	0.8% +15.5% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	36%
NIM	1.9% +51.6% YoY+1.9% QoQ	-1.7%	3.6% +6.9% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	Bottom 1.9% in tier
Efficiency Ratio	72.2% -34.5% YoY-19.1% QoQ	-5.1%	77.3% -3.0% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	32%
Delinquency Rate	1.0% +177.5% YoY+29.4% QoQ	+0.1	0.9% +7.6% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	68%
Loan To Share	52.7% +16.8% YoY+8.0% QoQ	-20.0%	72.7% -1.5% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	Bottom 12.6% in tier
AMR	$43,182 +2.5% YoY+1.6% QoQ	+$19K	$24,363 +2.9% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 4.4% in tier
CD Concentration	39.4% -0.6% YoY-0.4% QoQ	+15.0%	24.4% +4.2% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	10.1% -64.1% YoY-14.3% QoQ	-3.9%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#207 of 257 • Top 80.5% 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): 2.53%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.0K

(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 (4)

Credit Risk Growth

risk

#16 of 446 • Bottom 1.0% in tier

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

Why This Signature

Loan Growth (YoY): 13.88%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.61% 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 | New qualifier

Credit Quality Pressure

risk

#105 of 736 • Bottom 4.2% in tier

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

Why This Signature

Delinquency Change (YoY): 0.61% 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

Flatlined Growth

risk

#34 of 58 • Bottom 32.0% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): -1.01%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Return on Assets: 0.55%

(Tier: 0.77%, National: 0.71%)

worse than tier avg

58 of 1077 Community CUs have this signature | 82 nationally

↑ Growing +10 CUs YoY | New qualifier

Deposit Outflow

decline

#37 of 81 • Bottom 45.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature

Deposit Growth (YoY): -2.47%

(Tier: 4.79%, National: 12.00%)

worse than tier avg

Member Growth (YoY): 0.08%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

81 of 1077 Community CUs have this signature | 109 nationally

↓ Shrinking -144 CUs YoY | Rank improving

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 (7 metrics)

Fee Income Per Member

profitability

Value: $402.89

Peer Avg: -

#19 of 1077 Top 1.7% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $43,182

Peer Avg: -

#47 of 1077 Top 4.3% in 100M-500M tier

Loan Growth Rate

growth

Value: 13.88%

Peer Avg: -

#89 of 1077 Top 8.2% in 100M-500M tier

109

Loan-to-Member Ratio (LMR)

engagement

Value: $14,908

Peer Avg: -

#109 of 1077 Top 10.0% in 100M-500M tier

183

Total Deposits

balance_sheet

Value: $308.35M

Peer Avg: -

#183 of 1077 Top 16.9% in 100M-500M tier

210

Total Assets

balance_sheet

Value: $343.84M

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

245

Net Worth Ratio

risk

Value: 13.87%

Peer Avg: -

#245 of 1077 Top 22.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1056

Net Interest Margin (NIM)

profitability

Value: 1.88%

Peer Avg: -

#1056 of 1077 Bottom 2.0% in 100M-500M tier

991

Deposit Growth Rate

growth

Value: -2.47%

Peer Avg: -

#991 of 1077 Bottom 8.1% in 100M-500M tier

985

Share Certificate Concentration (%)

balance_sheet

Value: 39.38%

Peer Avg: -

#985 of 1077 Bottom 8.6% in 100M-500M tier

969

Members Per Employee (MPE)

engagement

Value: 227.208

Peer Avg: -

#969 of 1077 Bottom 10.1% in 100M-500M tier

941

Loan-to-Share Ratio

balance_sheet

Value: 52.73%

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

929

Asset Growth Rate

growth

Value: -1.01%

Peer Avg: -

#929 of 1077 Bottom 13.8% in 100M-500M tier