BlastPoint's Credit Union Scorecard
IRONWORKERS USA
Charter #13649 · OR
IRONWORKERS USA has 8 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Emerging Performer: Top 50.0% in tier
- + ROA 0.37% above tier average
- + Net Interest Margin 1.49% above tier average
- + Strong member growth: 11.6% YoY
- + Members Per Employee (MPE): Top 1.3% in tier
- + Member Growth Rate: Top 3.6% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Margin Compression: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Delinquency rate 2.18% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.2% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Net Charge-Off Rate: Bottom 9.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
18,169
+11.6% YoY+1.8% QoQ
|
+3.0K |
15,145
-2.5% YoY
|
51,194
+9.2% YoY
|
33,913
+5.7% YoY
|
70% |
| Assets |
$147.1M
+12.5% YoY+2.6% QoQ
|
$-84.6M |
$231.7M
+0.8% YoY
|
$843.4M
+7.6% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$120.1M
+12.9% YoY+2.8% QoQ
|
$-24.0M |
$144.1M
+0.2% YoY
|
$578.4M
+10.5% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$129.6M
+13.4% YoY+2.5% QoQ
|
$-71.5M |
$201.1M
+0.4% YoY
|
$722.8M
+7.3% YoY
|
$494.3M
+9.1% YoY
|
30% |
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| ROA |
1.1%
-41.4% YoY-9.8% QoQ
|
+0.4% |
0.7%
+5.1% YoY
|
0.7%
-4.2% YoY
|
0.4%
-39.2% YoY
|
75% |
| NIM |
5.1%
+3.4% YoY+4.4% QoQ
|
+1.5% |
3.6%
+4.6% YoY
|
4.0%
+4.4% YoY
|
3.8%
+4.1% YoY
|
Top 2.2% in tier |
| Efficiency Ratio |
66.3%
-1.7% YoY-1.7% QoQ
|
-11.7% |
78.0%
-1.7% YoY
|
77.9%
+0.7% YoY
|
84.6%
+2.8% YoY
|
18% |
| Delinquency Rate |
2.9%
+5.3% YoY+0.7% QoQ
|
+2.2 |
0.8%
+7.1% YoY
|
1.1%
+40.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.2% in tier |
| Loan To Share |
92.7%
-0.4% YoY+0.3% QoQ
|
+22.3% |
70.4%
-0.4% YoY
|
75.8%
+1.2% YoY
|
65.6%
-1.4% YoY
|
Top 7.1% in tier |
| AMR |
$13,743
+1.4% YoY+0.8% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$25,270
+0.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.0% in tier |
| CD Concentration |
29.9%
-0.4% YoY+2.1% QoQ
|
+5.6% | 24.3% | 16.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)