BlastPoint's Credit Union Scorecard
SAFEWAY
Charter #8132 · WA
SAFEWAY has 1 strength but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.30% below tier average
- - Efficiency ratio 2.21% above tier (higher cost structure)
- - Delinquency rate 0.76% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,293
-0.8% YoY-0.1% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$73.0M
+7.4% YoY+1.3% QoQ
|
+$42.8M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
Top 11.0% in tier |
| Loans |
$38.9M
-6.7% YoY-3.7% QoQ
|
+$23.2M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
Top 11.2% in tier |
| Deposits |
$57.1M
+8.9% YoY+1.5% QoQ
|
+$31.4M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
Top 13.9% in tier |
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| ROA |
0.3%
-49.7% YoY-11.1% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
31% |
| NIM |
2.8%
-4.3% YoY-1.1% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
84.8%
+12.0% YoY+2.6% QoQ
|
+2.2% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
63% |
| Delinquency Rate |
2.3%
+11.2% YoY+64.8% QoQ
|
+0.8 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
68.2%
-14.3% YoY-5.1% QoQ
|
+7.6% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
61% |
| AMR |
$22,377
+2.8% YoY-0.6% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 13.5% in tier |
| CD Concentration |
7.2%
+20.8% YoY-11.6% QoQ
|
-17.2% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.8% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)