BlastPoint's Credit Union Scorecard
IBEW 76
Charter #11949 · WA
IBEW 76 demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.42% above tier average
- + Loan-to-Member Ratio (LMR): Top 0.9% in tier
- + Average Member Relationship (AMR): Top 1.7% in tier
- + Loan-to-Share Ratio: Top 6.4% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,399
-1.3% YoY-0.5% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$30.0M
+4.6% YoY+2.3% QoQ
|
$-158K |
$30.2M
+1.3% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
59% |
| Loans |
$24.1M
+1.4% YoY-1.4% QoQ
|
+$8.8M |
$15.3M
-2.0% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
77% |
| Deposits |
$26.1M
+4.5% YoY+2.3% QoQ
|
+$286K |
$25.8M
+0.7% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
60% |
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| ROA |
0.6%
+330.3% YoY+11.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.3%
+16.9% YoY+0.6% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
30% |
| Efficiency Ratio |
82.4%
-13.1% YoY-2.7% QoQ
|
-8.2% |
90.6%
+6.5% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
52% |
| Delinquency Rate |
0.6%
+34.1% YoY+28.1% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
92.4%
-3.0% YoY-3.6% QoQ
|
+33.9% |
58.5%
-3.0% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
Top 6.5% in tier |
| AMR |
$35,844
+4.3% YoY+1.0% QoQ
|
+$21K |
$14,884
-1.7% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
Top 1.8% in tier |
| CD Concentration |
27.5%
-8.9% YoY+2.6% QoQ
|
+3.2% | 24.3% | 22.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 16.1% | 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)