BlastPoint's Credit Union Scorecard
AMERICA'S CREDIT UNION, A
Charter #9373 · WA
AMERICA'S CREDIT UNION, A has 8 strengths but faces 7 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 42.7% in tier
- + Organic Growth Engine: Top 42.7% in tier
- + Relationship Depth Leader: Top 46.7% in tier
- + Fee Income Per Member: Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 4.2% in tier
- + Loan-to-Share Ratio: Top 5.5% in tier
- + Total Loans: Top 7.3% in tier
- + Average Member Relationship (AMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.1% in tier
- - Efficiency Drag: Bottom 30.1% in tier
- - Credit Risk Growth: Bottom 42.0% in tier
- - Credit Quality Pressure: Bottom 51.9% in tier
- - ROA 0.25% below tier average
- - Efficiency ratio 6.28% above tier (higher cost structure)
- - Members Per Employee (MPE): Bottom 3.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 4 that size in Washington.
- Shares and deposits +4.6% year over year ($576M in shares and deposits).
- Membership: 29,338 members, +0.8% vs a year ago.
- Delinquency rate 0.32%.
- Return on assets 0.57%.
- Efficiency ratio 82.84% vs a 76.56% peer average.
- Loan-to-share ratio 99.04% vs a 79.33% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,338
+0.8% YoY+1.7% QoQ
|
-8.6K |
37,897
-5.0% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$709.5M
+2.1% YoY+1.6% QoQ
|
+$87.1M |
$622.4M
+0.6% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
81% |
| Loans |
$570.3M
+4.7% YoY+2.5% QoQ
|
+$141.8M |
$428.5M
-0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 7.9% in tier |
| Deposits |
$575.8M
+4.6% YoY+0.8% QoQ
|
+$36.0M |
$539.8M
+0.9% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
69% |
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| ROA |
0.6%
+172.4% YoY-45.5% QoQ
|
-0.2% |
0.8%
+39.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
36% |
| NIM |
3.2%
-2.2% YoY-0.3% QoQ
|
-0.4% |
3.5%
+5.0% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
26% |
| Efficiency Ratio |
82.8%
-6.7% YoY+12.6% QoQ
|
+6.3% |
76.6%
-3.6% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
73% |
| Delinquency Rate |
0.3%
+2.5% YoY-4.3% QoQ
|
-0.5 |
0.8%
+3.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
99.0%
+0.1% YoY+1.7% QoQ
|
+19.7% |
79.3%
-1.4% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 6.1% in tier |
| AMR |
$39,063
+3.9% YoY-0.0% QoQ
|
+$12K |
$27,294
+4.1% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 7.9% in tier |
| CD Concentration |
24.8%
+14.5% YoY+4.2% QoQ
|
+0.3% | 24.6% | 22.7% | 20.0% | 51% |
| Indirect Auto % |
2.2%
+23.5% YoY-5.1% QoQ
|
-11.4% | 13.6% | 16.0% | 7.7% | 39% |
Signature Analysis
Strengths (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (4)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)