BlastPoint's Credit Union Scorecard
IBEW 76
Charter #11949 · WA
IBEW 76 has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 1.2% in tier
- + Average Member Relationship (AMR): Top 2.2% in tier
- + Loan-to-Share Ratio: Top 7.9% in tier
- + Deposit Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - ROA 1.39% below tier average
- - Efficiency ratio 2.85% above tier (higher cost structure)
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 2,437 credit unions with under $100M in assets nationally, and 1 of 33 that size in Washington.
- Shares and deposits +9.6% year over year ($26.0M in shares and deposits).
- Membership: 1,437 members, +0.5% vs a year ago.
- Delinquency rate 0.35%.
- Return on assets 0.11%.
- Efficiency ratio 91.61% vs a 88.77% peer average.
- Loan-to-share ratio 91.11% vs a 58.89% 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 |
1,437
+0.5% YoY+2.7% QoQ
|
-1.1K |
2,585
-1.7% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
40% |
| Assets |
$30.0M
+4.8% YoY-0.3% QoQ
|
$-325K |
$30.3M
+1.5% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$23.7M
+0.0% YoY-1.6% QoQ
|
+$8.2M |
$15.5M
-1.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
76% |
| Deposits |
$26.0M
+9.6% YoY-0.2% QoQ
|
+$211K |
$25.8M
+1.1% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.1%
-66.9% YoY-81.3% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
Bottom 6.6% in tier |
| NIM |
3.4%
+5.9% YoY+1.7% QoQ
|
-0.5% |
3.9%
+0.9% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
30% |
| Efficiency Ratio |
91.6%
+1.3% YoY+11.1% QoQ
|
+2.8% |
88.8%
-6.9% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.3%
-18.6% YoY-45.5% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
34% |
| Loan To Share |
91.1%
-8.7% YoY-1.4% QoQ
|
+32.2% |
58.9%
-3.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
Top 8.0% in tier |
| AMR |
$34,596
+4.3% YoY-3.5% QoQ
|
+$20K |
$14,963
-6.8% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
Top 2.2% in tier |
| CD Concentration |
28.4%
+2.7% YoY+3.4% QoQ
|
+3.9% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 16.0% | 7.7% | 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)