BlastPoint's Credit Union Scorecard

PUGET SOUND REFINERY

Charter #9145 · WA

<100M

2508 CUs in <100M nationally 33 in WA

PUGET SOUND REFINERY has 1 strength but faces 5 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

+ ROA 0.94% above tier average

Key Concerns

Areas that may need attention

- Delinquency rate 0.70% above tier average
- Member decline: -7.5% YoY
- Loan Growth Rate: Bottom 7.9% in tier
- Indirect Auto Concentration (%): Bottom 8.9% in tier
- Member Growth Rate: Bottom 9.6% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	1,068 -7.5% YoY-4.4% QoQ	-1.6K	2,676 +1.6% YoY	67,148 +4.0% YoY	33,913 +5.7% YoY	30%
Assets	$17.4M +4.8% YoY-2.4% QoQ	$-12.8M	$30.2M +1.3% YoY	$1.3B +6.8% YoY	$578.3M +9.0% YoY	45%
Loans	$9.7M -18.4% YoY-8.1% QoQ	$-5.6M	$15.3M -2.0% YoY	$931.6M +6.7% YoY	$402.4M +8.7% YoY	51%
Deposits	$14.6M -2.8% YoY-3.4% QoQ	$-11.2M	$25.8M +0.7% YoY	$1.1B +7.7% YoY	$494.3M +9.1% YoY	44%

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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	1.1% -14.8% YoY+79.1% QoQ	+0.9%	0.1% -77.6% YoY	0.5% +1.1% YoY	0.4% -39.2% YoY	72%
NIM	3.8% +12.5% YoY+4.8% QoQ	-0.2%	4.0% +4.0% YoY	3.7% +3.5% YoY	3.8% +4.1% YoY	49%
Efficiency Ratio	73.1% +13.1% YoY-2.7% QoQ	-17.5%	90.6% +6.5% YoY	78.0% -0.9% YoY	84.6% +2.8% YoY	30%
Delinquency Rate	2.2% +14.9% QoQ	+0.7	1.5% +3.8% YoY	0.9% +10.5% YoY	1.2% +3.4% YoY	83%
Loan To Share	66.1% -16.0% YoY-4.8% QoQ	+7.5%	58.5% -3.0% YoY	74.8% -1.7% YoY	65.6% -1.4% YoY	61%
AMR	$22,719 -2.4% YoY-1.0% QoQ	+$8K	$14,884 -1.7% YoY	$29,247 +2.9% YoY	$19,920 +1.6% YoY	Top 13.2% in tier
CD Concentration	33.0% -7.2% YoY-7.8% QoQ	+8.7%	24.3%	22.5%	19.8%	50%
Indirect Auto %	9.5% -6.5% QoQ	-4.3%	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 (3 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

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

287

Loan-to-Member Ratio (LMR)

engagement

Value: $9,037

Peer Median: $4,923

#287 of 2508 Top 11.4% in <100M tier

330

Average Member Relationship (AMR)

engagement

Value: $22,719

Peer Median: $13,926

#330 of 2508 Top 13.1% in <100M tier

Top Weaknesses (5 metrics)

2310

Loan Growth Rate

growth

Value: -18.38%

Peer Median: -2.36%

#2310 of 2508 Bottom 7.9% in <100M tier

2287

Indirect Auto Concentration (%)

balance_sheet

Value: 9.47%

Peer Median: 0.00%

#2287 of 2508 Bottom 8.9% in <100M tier

2269

Member Growth Rate

growth

Value: -7.45%

Peer Median: -1.37%

#2269 of 2508 Bottom 9.6% in <100M tier

2170

Share Certificate Concentration (%)

balance_sheet

Value: 33.02%

Peer Median: 12.45%

#2170 of 2508 Bottom 13.5% in <100M tier

2077

Total Delinquency Rate (60+ days)

risk

Value: 2.20%

Peer Median: 0.65%

#2077 of 2508 Bottom 17.2% in <100M tier