BlastPoint's Credit Union Scorecard
CASCADE
Charter #7748 · WA
CASCADE has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 8.2% in tier
- + Wallet Share Momentum: Top 17.6% in tier
- + Fee Income Per Member: Top 3.1% in tier
- + Average Member Relationship (AMR): Top 3.4% in tier
- + Loan Growth Rate: Top 4.4% in tier
- + AMR Growth Rate: Top 6.5% in tier
- + Asset Growth Rate: Top 8.3% in tier
- + Loan-to-Member Ratio (LMR): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3.1% in tier
- - Credit Quality Pressure: Bottom 19.0% in tier
- - ROA 0.40% below tier average
- - Delinquency rate 0.10% above tier average
- - Net Interest Margin (NIM): Bottom 2.2% in tier
- - Share Certificate Concentration (%): Bottom 5.3% in tier
- - Members Per Employee (MPE): Bottom 7.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,841
-0.4% YoY-0.6% QoQ
|
-4.6K |
15,437
-2.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
36% |
| Assets |
$375.8M
+11.4% YoY+9.3% QoQ
|
+$143.9M |
$231.9M
+1.3% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 14.5% in tier |
| Loans |
$170.0M
+18.4% YoY+4.6% QoQ
|
+$22.7M |
$147.3M
-0.1% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
67% |
| Deposits |
$340.2M
+8.3% YoY+10.3% QoQ
|
+$139.4M |
$200.8M
+0.8% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 11.9% in tier |
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| ROA |
0.4%
-132.3% YoY-35.3% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.0%
+57.9% YoY+8.2% QoQ
|
-1.6% |
3.6%
+6.7% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.1% in tier |
| Efficiency Ratio |
74.6%
-56.8% YoY+3.3% QoQ
|
-2.4% |
77.0%
-3.1% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
40% |
| Delinquency Rate |
1.0%
+93.3% YoY+3.3% QoQ
|
+0.1 |
0.9%
+4.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
68% |
| Loan To Share |
50.0%
+9.3% YoY-5.2% QoQ
|
-22.3% |
72.2%
-1.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
Bottom 10.8% in tier |
| AMR |
$47,064
+11.9% YoY+9.0% QoQ
|
+$22K |
$24,676
+3.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 3.5% in tier |
| CD Concentration |
42.2%
+4.1% YoY+7.1% QoQ
|
+17.8% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
8.0%
-71.6% YoY-20.5% QoQ
|
-5.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)