BlastPoint's Credit Union Scorecard

AMERICA'S CREDIT UNION, A

Charter #9373 · WA

Community 500M-750M

169 CUs in 500M-750M nationally 4 in WA

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AMERICA'S CREDIT UNION, A has 7 strengths but faces 10 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.4% in tier
+ Wallet Share Momentum: Top 98.8% in tier
+ Fee Income Per Member: Top 2.4% in tier
+ Loan-to-Member Ratio (LMR): Top 5.3% in tier
+ Loan-to-Share Ratio: Top 5.9% in tier
+ Average Member Relationship (AMR): Top 7.1% in tier
+ Total Loans: Top 8.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 7.9% in tier
- Credit Quality Pressure: Bottom 8.6% in tier
- Liquidity Strain: Bottom 9.6% in tier
- Credit Risk Growth: Bottom 14.1% in tier
- Membership Headwinds: Bottom 17.0% in tier
- Stagnation Risk: Bottom 19.0% in tier
- ROA 0.45% below tier average
- Efficiency ratio 11.81% above tier (higher cost structure)
- Member decline: -2.5% YoY
- Members Per Employee (MPE): Bottom 1.2% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	29,041 -2.5% YoY-0.3% QoQ	-10.7K	39,752 -2.7% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	16%
Assets	$704.4M +1.7% YoY+1.4% QoQ	+$82.0M	$622.4M +0.3% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	79%
Loans	$557.3M +3.5% YoY+2.3% QoQ	+$121.4M	$435.9M -0.4% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	Top 9.5% in tier
Deposits	$552.9M +1.5% YoY+0.5% QoQ	+$14.9M	$538.0M +1.3% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	59%

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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	0.2% +562.3% YoY-1.0% QoQ	-0.5%	0.7% +33.9% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	16%
NIM	3.2% +3.3% YoY+0.2% QoQ	-0.2%	3.4% +8.6% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	34%
Efficiency Ratio	89.9% +0.5% YoY+1.2% QoQ	+11.8%	78.1% -3.4% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	Top 10.1% in tier
Delinquency Rate	0.5% +402.0% YoY+47.8% QoQ	-0.3	0.8% -4.9% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	31%
Loan To Share	100.8% +2.0% YoY+1.9% QoQ	+19.8%	81.0% -1.8% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	Top 6.5% in tier
AMR	$38,232 +5.1% YoY+1.7% QoQ	+$12K	$26,482 +2.6% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	Top 7.7% in tier
CD Concentration	22.1% -11.1% YoY+2.0% QoQ	-2.3%	24.4% +4.2% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	42%
Indirect Auto %	2.3% +95.3% YoY+26.5% QoQ	-11.7%	14.0% -5.7% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	40%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#130 of 257 • Top 50.4% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.08%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $4.6K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 281 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#475 of 481 • Top 98.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.08%

(Tier: 3.68%, National: 4.19%)

better than tier avg

620 nationally

↑ Growing +201 CUs YoY | Rank worsening

Concerns (6)

Efficiency Drag

risk

#140 of 521 • Bottom 7.9% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 89.91%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.18% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): -2.46%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

Credit Quality Pressure

risk

#213 of 736 • Bottom 8.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

1002 nationally

↓ Shrinking -199 CUs YoY | New qualifier

Liquidity Strain

risk

#75 of 258 • Bottom 9.6% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.79%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 3.53%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

258 of 281 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

risk

#212 of 446 • Bottom 14.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 3.53%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.37% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

646 nationally

↓ Shrinking -77 CUs YoY | New qualifier

Membership Headwinds

decline

#280 of 550 • Bottom 17.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Stagnation Risk

risk

#314 of 550 • Bottom 19.0% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.46%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 3.53%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.46%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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 169 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $357.55

Peer Avg: -

#5 of 169 Top 2.4% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,191

Peer Avg: -

#10 of 169 Top 5.3% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 100.79%

Peer Avg: -

#11 of 169 Top 5.9% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $38,232

Peer Avg: -

#13 of 169 Top 7.1% in 500M-750M tier

Total Loans

balance_sheet

Value: $557.34M

Peer Avg: -

#16 of 169 Top 8.9% in 500M-750M tier

Total Assets

balance_sheet

Value: $704.38M

Peer Avg: -

#35 of 169 Top 20.1% in 500M-750M tier

Top Weaknesses (6 metrics)

168

Members Per Employee (MPE)

engagement

Value: 193.607

Peer Avg: -

#168 of 169 Bottom 1.2% in 500M-750M tier

153

Efficiency Ratio

profitability

Value: 89.91%

Peer Avg: -

#153 of 169 Bottom 10.1% in 500M-750M tier

143

Member Growth Rate

growth

Value: -2.46%

Peer Avg: -

#143 of 169 Bottom 16.0% in 500M-750M tier

142

Return on Assets (ROA)

profitability

Value: 0.21%

Peer Avg: -

#142 of 169 Bottom 16.6% in 500M-750M tier

142

Total Members

engagement

Value: 29,041

Peer Avg: -

#142 of 169 Bottom 16.6% in 500M-750M tier

130

Deposit Growth Rate

growth

Value: 1.47%

Peer Avg: -

#130 of 169 Bottom 23.7% in 500M-750M tier