BlastPoint's Credit Union Scorecard
PUGET SOUND REFINERY
Charter #9145 · WA
PUGET SOUND REFINERY has 1 strength but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.01% below tier average
- - Delinquency rate 0.36% above tier average
- - Member decline: -2.0% YoY
- - Loan Growth Rate: Bottom 8.3% in tier
- - Indirect Auto Concentration (%): Bottom 9.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,117
-2.0% YoY-2.7% QoQ
|
-1.5K |
2,615
-1.9% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
31% |
| Assets |
$17.9M
+3.0% YoY-2.9% QoQ
|
$-12.3M |
$30.1M
+2.1% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
45% |
| Loans |
$10.5M
-16.8% YoY-6.0% QoQ
|
$-5.3M |
$15.8M
-1.3% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
52% |
| Deposits |
$15.1M
+3.7% YoY-3.3% QoQ
|
$-10.6M |
$25.7M
+1.4% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
45% |
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| ROA |
0.6%
-50.2% YoY-25.2% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
46% |
| NIM |
3.6%
-1.3% YoY+0.2% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
39% |
| Efficiency Ratio |
75.1%
+11.3% YoY+9.0% QoQ
|
-7.5% |
82.6%
-2.3% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
1.9%
-34.6% YoY+0.5% QoQ
|
+0.4 |
1.6%
-3.1% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
77% |
| Loan To Share |
69.4%
-19.8% YoY-2.8% QoQ
|
+8.8% |
60.6%
-3.1% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$22,946
-3.9% YoY-1.8% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
Top 12.1% in tier |
| CD Concentration |
35.8%
-1.0% YoY+8.4% QoQ
|
+11.4% | 24.4% | 22.5% | 19.8% | 50% |
| Indirect Auto % |
10.1%
+199.2% YoY-2.4% QoQ
|
-3.7% | 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)