BlastPoint's Credit Union Scorecard
CASCADE
Charter #7748 · WA
CASCADE has 8 strengths but faces 5 concerns
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 3.66% above tier average
- + Fee Income Per Member: Top 0.1% in tier
- + Efficiency Ratio: Top 0.5% in tier
- + Loan Growth Rate: Top 1.2% in tier
- + AMR Growth Rate: Top 3.0% in tier
- + Average Member Relationship (AMR): Top 3.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Net Interest Margin (NIM): Bottom 1.8% in tier
- - Members Per Employee (MPE): Bottom 3.5% in tier
- - Share Certificate Concentration (%): Bottom 5.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
10,736
-1.5% YoY-1.0% QoQ
|
-4.4K |
15,145
-2.5% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
36% |
| Assets |
$380.2M
+11.4% YoY+1.2% QoQ
|
+$148.5M |
$231.7M
+0.8% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
Top 13.7% in tier |
| Loans |
$173.6M
+31.4% YoY+2.1% QoQ
|
+$29.4M |
$144.1M
+0.2% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
70% |
| Deposits |
$338.4M
+7.4% YoY-0.5% QoQ
|
+$137.3M |
$201.1M
+0.4% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
Top 11.9% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
4.4%
+1125.8% QoQ
|
+3.7% |
0.7%
+5.1% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Top 0.2% in tier |
| NIM |
2.2%
+30.1% YoY+7.6% QoQ
|
-1.4% |
3.6%
+4.6% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio |
35.0%
-61.0% YoY-53.0% QoQ
|
-43.0% |
78.0%
-1.7% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
0.7%
-4.0% YoY-32.4% QoQ
|
-0.1 |
0.8%
+7.1% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
55% |
| Loan To Share |
51.3%
+22.3% YoY+2.6% QoQ
|
-19.1% |
70.4%
-0.4% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 13.4% in tier |
| AMR |
$47,687
+16.3% YoY+1.3% QoQ
|
+$23K |
$24,918
+2.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 3.4% in tier |
| CD Concentration |
42.0%
+6.1% YoY-0.5% QoQ
|
+17.7% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
5.6%
-76.4% YoY-29.9% QoQ
|
-8.2% | 13.8% | 16.1% | 7.7% | 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)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)