BlastPoint's Credit Union Scorecard

AMERICA'S CREDIT UNION, A

Charter #9373 · WA

Community 500M-750M

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

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AMERICA'S CREDIT UNION, A has 6 strengths but faces 13 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 95.9% in tier
+ Fee Income Per Member: Top 0.0% in tier
+ Loan-to-Member Ratio (LMR): Top 4.2% in tier
+ Loan-to-Share Ratio: Top 6.1% in tier
+ Average Member Relationship (AMR): Top 7.3% in tier
+ Total Loans: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.4% in tier
- Credit Quality Pressure: Bottom 36.9% in tier
- Liquidity Strain: Bottom 37.0% in tier
- Capital Constraint: Bottom 40.9% in tier
- Membership Headwinds: Bottom 53.5% in tier
- Flatlined Growth: Bottom 62.5% in tier
- Stagnation Risk: Bottom 68.3% in tier
- Credit Risk Growth: Bottom 69.5% in tier
- ROA 0.40% below tier average
- Efficiency ratio 11.02% above tier (higher cost structure)
- Member decline: -2.5% YoY
- Members Per Employee (MPE): Bottom 1.2% in tier
- Deposit Growth Rate: Bottom 6.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	28,836 -2.5% YoY-0.7% QoQ	-9.7K	38,575 -4.8% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	16%
Assets	$706.1M +1.3% YoY+0.2% QoQ	+$84.4M	$621.7M +0.1% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	82%
Loans	$554.9M +1.8% YoY-0.4% QoQ	+$125.1M	$429.8M -1.8% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	Top 9.7% in tier
Deposits	$555.4M -4.1% YoY+0.4% QoQ	+$16.6M	$538.7M +0.6% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	61%

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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	0.3% +39.7% YoY+22.5% QoQ	-0.4%	0.7% +42.9% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	19%
NIM	3.2% +1.7% YoY-1.0% QoQ	-0.2%	3.4% +8.0% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	32%
Efficiency Ratio	88.5% -0.0% YoY-1.5% QoQ	+11.0%	77.5% -4.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	Top 9.7% in tier
Delinquency Rate	0.5% +137.6% YoY+9.0% QoQ	-0.3	0.8% -1.1% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	27%
Loan To Share	99.9% +6.1% YoY-0.9% QoQ	+20.1%	79.8% -2.3% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	Top 6.7% in tier
AMR	$38,503 +1.3% YoY+0.7% QoQ	+$12K	$26,849 +2.7% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	Top 7.9% in tier
CD Concentration	22.7% -7.1% YoY+2.7% QoQ	-1.7%	24.4%	22.5%	19.8%	44%
Indirect Auto %	2.3% +69.9% YoY+2.1% QoQ	-11.5%	13.8%	16.8%	7.8%	40%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth

#257 of 268 • Top 95.9% 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): 1.32%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $4.6K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank worsening

Concerns (8)

Efficiency Drag

risk

#89 of 538 • Bottom 16.4% in tier

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

Why This Signature

Efficiency Ratio: 88.54%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.07% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

633 nationally

↓ Shrinking -98 CUs YoY | Rank improving

Credit Quality Pressure

risk

#261 of 705 • Bottom 36.9% in tier

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

Why This Signature

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Liquidity Strain

risk

#85 of 228 • Bottom 37.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 99.92%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 1.75%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

228 of 282 Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Capital Constraint

risk

#10 of 23 • Bottom 40.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting limits.

Why This Signature

Loan-to-Share Ratio: 99.92%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Deposit Growth (YoY): -4.06%

(Tier: 5.05%, National: 13.79%)

worse than tier avg

Net Worth Ratio: 10.76%

(Tier: 11.97%, National: 14.49%)

worse than tier avg

23 of 282 Community CUs have this signature | 32 nationally

→ No prior data (23 CUs now) | New qualifier

Membership Headwinds

decline

#297 of 554 • Bottom 53.5% in tier

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

Why This Signature

Member Growth (YoY): -2.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Flatlined Growth

risk

#26 of 41 • Bottom 62.5% in tier

Asset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why This Signature

Asset Growth (YoY): 1.31%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Return on Assets: 0.25%

(Tier: 0.75%, National: 0.67%)

worse than tier avg

41 of 282 Community CUs have this signature | 59 nationally

→ No prior data (41 CUs now) | New qualifier

Stagnation Risk

risk

#379 of 554 • Bottom 68.3% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.53%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): 1.75%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.50%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

652 nationally

→ No prior data (554 CUs now) | New qualifier

Credit Risk Growth

risk

#317 of 456 • Bottom 69.5% in tier

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

Why This Signature

Loan Growth (YoY): 1.75%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Change (YoY): 0.29% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

665 nationally

→ No prior data (456 CUs now) | New qualifier

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 165 peers in tier

Top Strengths (6 metrics)

Fee Income Per Member

profitability

Value: $426.11

Peer Median: -

#1 of 165 Top 0.0% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $19,244

Peer Median: -

#8 of 165 Top 4.2% in 500M-750M tier

Loan-to-Share Ratio

balance_sheet

Value: 99.92%

Peer Median: -

#11 of 165 Top 6.1% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $38,503

Peer Median: -

#13 of 165 Top 7.3% in 500M-750M tier

Total Loans

balance_sheet

Value: $554.93M

Peer Median: -

#16 of 165 Top 9.1% in 500M-750M tier

Total Assets

balance_sheet

Value: $706.07M

Peer Median: -

#30 of 165 Top 17.6% in 500M-750M tier

Top Weaknesses (7 metrics)

164

Members Per Employee (MPE)

engagement

Value: 189.711

Peer Median: -

#164 of 165 Bottom 1.2% in 500M-750M tier

156

Deposit Growth Rate

growth

Value: -4.06%

Peer Median: -

#156 of 165 Bottom 6.1% in 500M-750M tier

150

Efficiency Ratio

profitability

Value: 88.54%

Peer Median: -

#150 of 165 Bottom 9.7% in 500M-750M tier

139

Total Members

engagement

Value: 28,836

Peer Median: -

#139 of 165 Bottom 16.4% in 500M-750M tier

134

Return on Assets (ROA)

profitability

Value: 0.25%

Peer Median: -

#134 of 165 Bottom 19.4% in 500M-750M tier

134

Member Growth Rate

growth

Value: -2.53%

Peer Median: -

#134 of 165 Bottom 19.4% in 500M-750M tier

127

Asset Growth Rate

growth

Value: 1.31%

Peer Median: -

#127 of 165 Bottom 23.6% in 500M-750M tier