BlastPoint's Credit Union Scorecard
PUGET SOUND REFINERY
Charter #9145 · WA
PUGET SOUND REFINERY has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.13% above tier average
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.40% above tier average
- - Member decline: -2.1% YoY
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,148
-2.1% YoY-2.0% QoQ
|
-1.5K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
32% |
| Assets |
$18.4M
+5.7% YoY+2.0% QoQ
|
$-11.5M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
46% |
| Loans |
$11.2M
-14.7% YoY-8.5% QoQ
|
$-4.6M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
54% |
| Deposits |
$15.7M
+5.8% YoY+2.1% QoQ
|
$-9.8M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
47% |
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| ROA |
0.8%
-39.3% YoY+5.6% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
53% |
| NIM |
3.6%
-2.6% YoY-1.5% QoQ
|
-0.3% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
39% |
| Efficiency Ratio |
68.9%
+7.4% YoY+11.0% QoQ
|
-12.5% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
30% |
| Delinquency Rate |
1.9%
-24.5% YoY+2.6% QoQ
|
+0.4 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
78% |
| Loan To Share |
71.4%
-19.4% YoY-10.4% QoQ
|
+10.1% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
64% |
| AMR |
$23,368
-1.7% YoY-0.6% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 11.1% in tier |
| CD Concentration |
33.1%
-6.1% YoY-5.7% QoQ
|
+8.6% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
10.4%
+185.3% YoY-2.2% QoQ
|
-3.6% |
14.0%
-5.7% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
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)