BlastPoint's Credit Union Scorecard
LOWER COLUMBIA LONGSHOREMEN
Charter #9289 · WA
LOWER COLUMBIA LONGSHOREMEN has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.04% above tier average
- + Total Deposits: Top 2.1% in tier
- + Total Assets: Top 2.2% in tier
- + Average Member Relationship (AMR): Top 3.2% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Total Loans: Top 4.3% in tier
- + Fee Income Per Member: Top 6.4% in tier
- + Net Charge-Off Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 3.40% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 5.2% in tier
- - Indirect Auto Concentration (%): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,240
-0.7% YoY+0.1% QoQ
|
+1.6K |
2,625
-2.2% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$93.6M
+2.8% YoY+0.9% QoQ
|
+$63.7M |
$29.9M
+1.1% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
Top 2.3% in tier |
| Loans |
$52.5M
-3.5% YoY+0.3% QoQ
|
+$36.8M |
$15.8M
-2.4% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
Top 4.3% in tier |
| Deposits |
$82.1M
+2.5% YoY+0.8% QoQ
|
+$56.7M |
$25.5M
+0.4% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
Top 2.1% in tier |
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| ROA |
0.7%
+119.5% YoY-0.6% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
48% |
| NIM |
3.5%
+1.9% YoY+1.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
84.8%
-7.6% YoY+0.7% QoQ
|
+3.4% |
81.4%
-2.4% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
67% |
| Delinquency Rate |
0.8%
+51.7% YoY+109.9% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
54% |
| Loan To Share |
64.0%
-5.9% YoY-0.5% QoQ
|
+2.7% |
61.2%
-3.0% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
54% |
| AMR |
$31,752
+0.7% YoY+0.6% QoQ
|
+$17K |
$14,627
-2.7% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
Top 3.2% in tier |
| CD Concentration |
17.0%
+14.9% YoY-1.0% QoQ
|
-7.4% |
24.4%
+4.2% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
14.0%
-2.8% YoY-0.4% QoQ
|
+0.0% |
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)