BlastPoint's Credit Union Scorecard

SAFEWAY

Charter #8132 · WA

<100M

2508 CUs in <100M nationally 33 in WA

SAFEWAY faces 4 concerns requiring attention

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.31% below tier average
- Efficiency ratio 6.58% above tier (higher cost structure)
- Delinquency rate 1.00% above tier average
- Net Interest Margin (NIM): Bottom 6.7% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	4,310 -1.0% YoY+0.4% QoQ	+1.6K	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	82%
Assets	$74.6M +5.5% YoY+2.2% QoQ	+$44.4M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	Top 10.2% in tier
Loans	$37.6M -9.0% YoY-3.5% QoQ	+$22.3M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	Top 11.6% in tier
Deposits	$59.1M +7.9% YoY+3.5% QoQ	+$33.4M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	Top 12.5% 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	-0.2% -149.7% YoY-152.3% QoQ	-0.3%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	18%
NIM	2.4% -15.5% YoY-12.7% QoQ	-1.6%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	Bottom 6.7% in tier
Efficiency Ratio	97.2% +21.1% YoY+14.7% QoQ	+6.6%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	81%
Delinquency Rate	2.5% +40.5% YoY+8.3% QoQ	+1.0	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	Bottom 14.4% in tier
Loan To Share	63.6% -15.6% YoY-6.8% QoQ	+5.0%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	57%
AMR	$22,443 +1.7% YoY+0.3% QoQ	+$8K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 14.1% in tier
CD Concentration	5.9% -13.4% YoY-18.1% QoQ	-18.4%	24.3%	22.5%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	16.1%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

256

Net Charge-Off Rate

risk

Value: -0.09%

Peer Median: 0.07%

#256 of 2508 Top 10.2% in <100M tier

256

Total Assets

balance_sheet

Value: $74.58M

Peer Median: $21.86M

#256 of 2508 Top 10.2% in <100M tier

290

Total Loans

balance_sheet

Value: $37.59M

Peer Median: $9.48M

#290 of 2508 Top 11.5% in <100M tier

313

Total Deposits

balance_sheet

Value: $59.14M

Peer Median: $18.77M

#313 of 2508 Top 12.4% in <100M tier

323

Deposit Growth Rate

growth

Value: 7.89%

Peer Median: 0.66%

#323 of 2508 Top 12.8% in <100M tier

332

Loan-to-Member Ratio (LMR)

engagement

Value: $8,721

Peer Median: $4,923

#332 of 2508 Top 13.2% in <100M tier

353

Average Member Relationship (AMR)

engagement

Value: $22,443

Peer Median: $13,926

#353 of 2508 Top 14.0% in <100M tier

464

Total Members

engagement

Value: 4,310

Peer Median: 1,918

#464 of 2508 Top 18.5% in <100M tier

500

Net Worth Ratio

risk

Value: 20.69%

Peer Median: 14.28%

#500 of 2508 Top 19.9% in <100M tier

Top Weaknesses (4 metrics)

2341

Net Interest Margin (NIM)

profitability

Value: 2.41%

Peer Median: 3.83%

#2341 of 2508 Bottom 6.7% in <100M tier

2149

Total Delinquency Rate (60+ days)

risk

Value: 2.50%

Peer Median: 0.65%

#2149 of 2508 Bottom 14.4% in <100M tier

2057

Return on Assets (ROA)

profitability

Value: -0.17%

Peer Median: 0.61%

#2057 of 2508 Bottom 18.0% in <100M tier

2043

Efficiency Ratio

profitability

Value: 97.21%

Peer Median: 81.45%

#2043 of 2508 Bottom 18.6% in <100M tier