BlastPoint's Credit Union Scorecard

IRONWORKERS USA

Charter #13649 · OR

1077 CUs in 100M-500M nationally 18 in OR

IRONWORKERS USA has 14 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 0.4% in tier
+ Organic Growth Leader: Top 1.3% in tier
+ Emerging Performer: Top 10.5% in tier
+ Profitability Leader: Top 79.3% in tier
+ ROA 0.42% above tier average
+ Net Interest Margin 1.36% above tier average
+ Strong member growth: 16.0% YoY
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ First Mortgage Concentration (%): Top 0.0% in tier
+ Members Per Employee (MPE): Top 1.5% in tier
+ Member Growth Rate: Top 2.4% in tier
+ Asset Growth Rate: Top 3.0% in tier
+ Deposit Growth Rate: Top 3.0% in tier
+ Loan Growth Rate: Top 4.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 0.1% in tier
- Credit Quality Pressure: Bottom 0.6% in tier
- Liquidity Strain: Bottom 14.5% in tier
- Margin Compression: Bottom 19.8% in tier
- Delinquency rate 2.57% above tier average
- Total Delinquency Rate (60+ days): Bottom 1.5% in tier
- Average Member Relationship (AMR): Bottom 5.3% in tier
- Net Charge-Off Rate: Bottom 9.0% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	17,502 +16.0% YoY+1.7% QoQ	+1.9K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	66%
Assets	$141.2M +16.6% YoY+5.1% QoQ	$-90.1M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	27%
Loans	$114.5M +18.2% YoY+2.9% QoQ	$-33.3M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	44%
Deposits	$124.1M +16.9% YoY+5.5% QoQ	$-76.2M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	28%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.2% -13.4% YoY-13.1% QoQ	+0.4%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	79%
NIM	4.9% -4.9% YoY-0.7% QoQ	+1.4%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 3.2% in tier
Efficiency Ratio	69.5% -1.6% YoY+0.7% QoQ	-7.8%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	24%
Delinquency Rate	3.4% +89.5% YoY+21.3% QoQ	+2.6	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	Top 1.5% in tier
Loan To Share	92.3% +1.1% YoY-2.5% QoQ	+19.6%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	Top 11.3% in tier
AMR	$13,634 +1.3% YoY+2.5% QoQ	$-11K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	Bottom 5.2% in tier
CD Concentration	28.5% +8.9% YoY-6.3% QoQ	+4.0%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#8 of 603 • Top 0.4% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 16.02%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 1.21%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Organic Growth Leader

growth

#18 of 430 • Top 1.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 16.02%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY

Emerging Performer

growth

#21 of 191 • Top 10.5% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.21%

(Tier: 0.77%, National: 0.71%)

better than tier avg

Member Growth (YoY): 16.02%

(Tier: 0.88%, National: 9.37%)

better than tier avg

191 of 1077 Community CUs have this signature | 288 nationally

↑ Growing +20 CUs YoY | Rank worsening

Profitability Leader

growth

#270 of 340 • Top 79.3% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.21%

(Tier: 0.77%, National: 0.71%)

better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.05% points)

but worse than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Concerns (4)

Credit Risk Growth

risk

#3 of 446 • Bottom 0.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 18.19%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 1.62% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

446 of 1077 Community CUs have this signature | 646 nationally

↓ Shrinking -77 CUs YoY | Rank improving

Credit Quality Pressure

risk

#16 of 736 • Bottom 0.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 1.62% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank improving

Liquidity Strain

risk

#113 of 258 • Bottom 14.5% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 92.31%

(Tier: 74.56%, National: 67.96%)

but better than tier avg

Loan Growth (YoY): 18.19%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Margin Compression

decline

#84 of 136 • Bottom 19.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.21%

(Tier: 0.77%, National: 0.71%)

but better than tier avg

ROA (Prior Year): 1.40%

(Tier: 0.66%, National: 0.67%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

136 of 1077 Community CUs have this signature | 169 nationally

↓ Shrinking -43 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 648.222

Peer Avg: -

#17 of 1077 Top 1.5% in 100M-500M tier

Member Growth Rate

growth

Value: 16.02%

Peer Avg: -

#27 of 1077 Top 2.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 16.59%

Peer Avg: -

#33 of 1077 Top 3.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 16.88%

Peer Avg: -

#33 of 1077 Top 3.0% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.94%

Peer Avg: -

#35 of 1077 Top 3.2% in 100M-500M tier

Loan Growth Rate

growth

Value: 18.19%

Peer Avg: -

#48 of 1077 Top 4.4% in 100M-500M tier

122

Loan-to-Share Ratio

balance_sheet

Value: 92.31%

Peer Avg: -

#122 of 1077 Top 11.2% in 100M-500M tier

228

Return on Assets (ROA)

profitability

Value: 1.21%

Peer Avg: -

#228 of 1077 Top 21.1% in 100M-500M tier

Top Weaknesses (4 metrics)

1062

Total Delinquency Rate (60+ days)

risk

Value: 3.42%

Peer Avg: -

#1062 of 1077 Bottom 1.5% in 100M-500M tier

1021

Average Member Relationship (AMR)

engagement

Value: $13,634

Peer Avg: -

#1021 of 1077 Bottom 5.3% in 100M-500M tier

981

Net Charge-Off Rate

risk

Value: 1.06%

Peer Avg: -

#981 of 1077 Bottom 9.0% in 100M-500M tier

877

Loan-to-Member Ratio (LMR)

engagement

Value: $6,544

Peer Avg: -

#877 of 1077 Bottom 18.7% in 100M-500M tier