BlastPoint's Credit Union Scorecard
AMERICA'S CREDIT UNION, A
Charter #9373 · WA
AMERICA'S CREDIT UNION, A has 7 strengths but faces 6 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
- + Relationship Depth Leader: Top 54.6% in tier
- + ROA 0.36% above tier average
- + Fee Income Per Member: Top 0.6% in tier
- + Loan-to-Share Ratio: Top 4.8% in tier
- + Loan-to-Member Ratio (LMR): Top 4.8% in tier
- + Average Member Relationship (AMR): Top 6.6% in tier
- + Total Loans: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.5% in tier
- - Credit Quality Pressure: Bottom 45.4% in tier
- - Credit Risk Growth: Bottom 61.8% in tier
- - Membership Headwinds: Bottom 70.5% in tier
- - Stagnation Risk: Bottom 70.5% in tier
- - Members Per Employee (MPE): Bottom 1.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
28,861
-1.7% YoY+0.1% QoQ
|
-9.2K |
38,079
-4.8% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
19% |
| Assets |
$698.7M
-0.2% YoY-1.0% QoQ
|
+$79.0M |
$619.7M
-0.2% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
78% |
| Loans |
$556.2M
+1.2% YoY+0.2% QoQ
|
+$136.9M |
$419.3M
-1.4% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
Top 8.4% in tier |
| Deposits |
$571.3M
+1.2% YoY+2.9% QoQ
|
+$31.8M |
$539.5M
-0.1% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
68% |
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| ROA |
1.0%
+786.5% YoY+312.4% QoQ
|
+0.4% |
0.7%
+36.0% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
76% |
| NIM |
3.2%
-0.5% YoY-1.0% QoQ
|
-0.3% |
3.5%
+4.5% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
28% |
| Efficiency Ratio |
73.6%
-20.1% YoY-16.9% QoQ
|
-4.8% |
78.4%
-3.7% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
25% |
| Delinquency Rate |
0.3%
+15.5% YoY-33.5% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
26% |
| Loan To Share |
97.4%
-0.0% YoY-2.6% QoQ
|
+19.7% |
77.7%
-1.2% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 5.4% in tier |
| AMR |
$39,068
+3.0% YoY+1.5% QoQ
|
+$12K |
$26,927
+3.1% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 7.2% in tier |
| CD Concentration |
23.8%
-0.4% YoY+4.8% QoQ
|
-0.5% | 24.3% | 22.5% | 19.8% | 48% |
| Indirect Auto % |
2.3%
+48.3% YoY+0.6% QoQ
|
-11.5% | 13.8% | 16.1% | 7.7% | 39% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (5)
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)