BlastPoint's Credit Union Scorecard
PUGET SOUND REFINERY
Charter #9145 · WA
PUGET SOUND REFINERY faces 7 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.59% below tier average
- - Delinquency rate 0.74% above tier average
- - Member decline: -6.1% YoY
- - Asset Growth Rate: Bottom 2.7% in tier
- - Deposit Growth Rate: Bottom 2.7% in tier
- - AMR Growth Rate: Bottom 4.4% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits -16.9% year over year ($12.7M in shares and deposits).
- Membership: 1,099 members, -6.1% vs a year ago.
- Delinquency rate 2.29%.
- Return on assets 0.91%.
- Efficiency ratio 78.52% vs a 88.77% peer average.
- Loan-to-share ratio 74.61% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,099
-6.1% YoY+2.9% QoQ
|
-1.5K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
31% |
| Assets |
$15.6M
-13.6% YoY-10.6% QoQ
|
$-14.7M |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
42% |
| Loans |
$9.5M
-22.1% YoY-1.5% QoQ
|
$-6.0M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$12.7M
-16.9% YoY-12.8% QoQ
|
$-13.1M |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
0.9%
+17.5% YoY-17.0% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
56% |
| NIM |
3.9%
+5.9% YoY+2.5% QoQ
|
+0.0% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
52% |
| Efficiency Ratio |
78.5%
+26.5% YoY+7.4% QoQ
|
-10.2% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
45% |
| Delinquency Rate |
2.3%
+23.1% YoY+3.9% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
74.6%
-6.3% YoY+13.0% QoQ
|
+15.7% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$20,245
-13.9% YoY-10.9% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
79% |
| CD Concentration |
28.8%
-17.9% YoY-12.9% QoQ
|
+4.2% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
6.9%
-35.1% YoY-27.2% QoQ
|
-6.7% | 13.6% | 16.0% | 7.7% | 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)