BlastPoint's Credit Union Scorecard

CASCADE

Charter #7748 · WA

100M-500M

1024 CUs in 100M-500M nationally 15 in WA

CASCADE has 8 strengths but faces 8 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 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.62% above tier average
+ Fee Income Per Member: Top 0.1% in tier
+ Efficiency Ratio: Top 1.6% in tier
+ Asset Growth Rate: Top 3.0% in tier
+ Average Member Relationship (AMR): Top 3.1% in tier
+ Loan Growth Rate: Top 3.9% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Member decline: -2.2% YoY
- Net Interest Margin (NIM): Bottom 2.3% in tier
- Members Per Employee (MPE): Bottom 3.8% in tier
- Share Certificate Concentration (%): Bottom 6.5% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
Shares and deposits +8.0% year over year ($339M in shares and deposits).
Membership: 10,762 members, -2.2% vs a year ago.
Delinquency rate 0.79%.
Return on assets 2.48%.
Efficiency ratio 46.67% vs a 76.73% peer average.
Loan-to-share ratio 53.50% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	10,762 -2.2% YoY+0.2% QoQ	-4.4K	15,168 -2.6% YoY	69,472 +6.3% YoY	34,678 +6.6% YoY	36%
Assets	$392.6M +14.9% YoY+3.3% QoQ	+$160.6M	$232.0M +0.7% YoY	$1.3B +8.7% YoY	$593.1M +10.2% YoY	Top 12.2% in tier
Loans	$181.6M +18.4% YoY+4.6% QoQ	+$35.3M	$146.3M +0.2% YoY	$968.5M +8.7% YoY	$418.6M +10.1% YoY	71%
Deposits	$339.4M +8.0% YoY+0.3% QoQ	+$138.7M	$200.7M +0.2% YoY	$1.1B +8.8% YoY	$504.8M +10.3% YoY	Top 12.0% in tier

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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	2.5% +1915.8% YoY-43.4% QoQ	+1.6%	0.9% +12.5% YoY	0.7% +22.8% YoY	1.2% +121.4% YoY	Top 0.9% in tier
NIM	2.3% +25.8% YoY+6.0% QoQ	-1.4%	3.7% +4.5% YoY	3.8% +3.6% YoY	3.8% +2.3% YoY	Bottom 2.2% in tier
Efficiency Ratio	46.7% -47.7% YoY+33.2% QoQ	-30.1%	76.7% -0.8% YoY	77.5% +0.3% YoY	83.0% -5.3% YoY	Top 1.6% in tier
Delinquency Rate	0.8% +7.0% YoY+18.3% QoQ	-0.1	0.9% +6.6% YoY	0.9% -3.0% YoY	1.3% +2.6% YoY	56%
Loan To Share	53.5% +9.6% YoY+4.3% QoQ	-18.0%	71.5% -0.3% YoY	76.2% -1.2% YoY	66.4% -1.4% YoY	15%
AMR	$48,408 +13.9% YoY+1.5% QoQ	+$23K	$25,107 +3.2% YoY	$29,351 +3.2% YoY	$20,028 -0.9% YoY	Top 3.2% in tier
CD Concentration	41.6% +5.3% YoY-0.9% QoQ	+17.0%	24.6%	22.7%	20.0%	50%
Indirect Auto %	4.8% -59.3% YoY-14.7% QoQ	-8.8%	13.6%	16.0%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#18 of 262 • Top 50.0% 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): 13.88%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.1K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Wallet Share Momentum

growth

#55 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 13.88%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#180 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 18.38%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Membership Headwinds

decline

#318 of 549 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.17%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#447 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.17%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 18.38%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.79%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Credit Quality Pressure

risk

#581 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (11 metrics)

Fee Income Per Member

profitability

Value: $904.99

Peer Median: $159.88

#2 of 1024 Top 0.1% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 2.48%

Peer Median: 0.75%

#9 of 1024 Top 0.8% in 100M-500M tier

Efficiency Ratio

profitability

Value: 46.67%

Peer Median: 77.26%

#17 of 1024 Top 1.6% in 100M-500M tier

Asset Growth Rate

growth

Value: 14.93%

Peer Median: 4.12%

#32 of 1024 Top 3.0% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $48,408

Peer Median: $23,006

#33 of 1024 Top 3.1% in 100M-500M tier

Loan Growth Rate

growth

Value: 18.38%

Peer Median: 3.02%

#41 of 1024 Top 3.9% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.88%

Peer Median: 3.53%

#45 of 1024 Top 4.3% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $16,872

Peer Median: $9,434

#76 of 1024 Top 7.3% in 100M-500M tier

123

Total Deposits

balance_sheet

Value: $339.38M

Peer Median: $170.77M

#123 of 1024 Top 11.9% in 100M-500M tier

125

Total Assets

balance_sheet

Value: $392.61M

Peer Median: $196.38M

#125 of 1024 Top 12.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1001

Net Interest Margin (NIM)

profitability

Value: 2.32%

Peer Median: 3.67%

#1001 of 1024 Bottom 2.3% in 100M-500M tier

986

Members Per Employee (MPE)

engagement

Value: 195.673

Peer Median: 310.924

#986 of 1024 Bottom 3.8% in 100M-500M tier

958

Share Certificate Concentration (%)

balance_sheet

Value: 41.60%

Peer Median: 23.39%

#958 of 1024 Bottom 6.5% in 100M-500M tier

869

Loan-to-Share Ratio

balance_sheet

Value: 53.50%

Peer Median: 73.07%

#869 of 1024 Bottom 15.2% in 100M-500M tier