BlastPoint's Credit Union Scorecard

IRONWORKERS USA

Charter #13649 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 in OR

IRONWORKERS USA has 8 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.19% above tier average
+ Net Interest Margin 1.47% above tier average
+ Strong member growth: 7.8% YoY
+ Members Per Employee (MPE): Top 1.3% 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 2.08% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- Net Charge-Off Rate: Bottom 6.5% in tier
- Average Member Relationship (AMR): Bottom 6.5% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits +17.2% year over year ($138M in shares and deposits).
Membership: 18,558 members, +7.8% vs a year ago.
Delinquency rate 2.97%.
Return on assets 1.05%.
Efficiency ratio 65.59% vs a 76.73% peer average.
Loan-to-share ratio 91.47% vs a 71.54% 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 (OR)	National Avg	Tier Percentile
Members	18,558 +7.8% YoY+2.1% QoQ	+3.4K	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	72%
Assets	$155.9M +16.1% YoY+5.9% QoQ	$-76.2M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	33%
Loans	$126.0M +13.2% YoY+4.9% QoQ	$-20.2M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	51%
Deposits	$137.8M +17.2% YoY+6.3% QoQ	$-62.9M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% YoY	35%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% -24.7% YoY-4.4% QoQ	+0.2%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	67%
NIM	5.2% +3.7% YoY+0.7% QoQ	+1.5%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	Top 2.1% in tier
Efficiency Ratio	65.6% -5.0% YoY-1.1% QoQ	-11.1%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	17%
Delinquency Rate	3.0% +5.0% YoY+0.5% QoQ	+2.1	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	Bottom 2.7% in tier
Loan To Share	91.5% -3.4% YoY-1.3% QoQ	+19.9%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	Top 11.8% in tier
AMR	$14,216 +6.9% YoY+3.4% QoQ	$-11K	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	Bottom 6.4% in tier
CD Concentration	32.2% +6.1% YoY+7.8% QoQ	+7.6%	24.6%	16.7%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#17 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 7.83%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | Rank worsening

Organic Growth Leader

growth

#34 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 7.83%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | Rank worsening

Emerging Performer

growth

#34 of 175 • Top 50.0% 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: 1.05%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 7.83%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | Rank worsening

Wallet Share Momentum

growth

#301 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.88%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Credit Risk Growth

risk

#112 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 13.21%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank worsening

Margin Compression

decline

#74 of 140 • Bottom 50.0% 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: 1.05%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

ROA (Prior Year): 1.39%

(Tier: 0.75%, National: 0.66%)

but better than tier avg

ROA Change (YoY): -0.34% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

140 of 1024 Mid-Small & Community CUs have this signature | 167 nationally

→ Stable (143→140 CUs) -3 CUs YoY | New qualifier

Liquidity Strain

risk

#125 of 224 • Bottom 50.0% in tier

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

Why This Signature

Loan-to-Share Ratio: 91.47%

(Tier: 73.56%, National: 66.39%)

but better than tier avg

Loan Growth (YoY): 13.21%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

224 of 1024 Mid-Small & Community CUs have this signature | 432 nationally

↓ Shrinking -11 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#418 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.14% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 29.92%

#1 of 1024 Top 0.1% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 662.786

Peer Median: 310.924

#14 of 1024 Top 1.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 5.16%

Peer Median: 3.67%

#21 of 1024 Top 2.0% in 100M-500M tier

Deposit Growth Rate

growth

Value: 17.17%

Peer Median: 3.58%

#24 of 1024 Top 2.2% in 100M-500M tier

Asset Growth Rate

growth

Value: 16.06%

Peer Median: 4.12%

#29 of 1024 Top 2.7% in 100M-500M tier

Member Growth Rate

growth

Value: 7.83%

Peer Median: -0.03%

#50 of 1024 Top 4.8% in 100M-500M tier

100

Loan Growth Rate

growth

Value: 13.21%

Peer Median: 3.02%

#100 of 1024 Top 9.7% in 100M-500M tier

121

Loan-to-Share Ratio

balance_sheet

Value: 91.47%

Peer Median: 73.07%

#121 of 1024 Top 11.7% in 100M-500M tier

173

Efficiency Ratio

profitability

Value: 65.59%

Peer Median: 77.26%

#173 of 1024 Top 16.8% in 100M-500M tier

Top Weaknesses (5 metrics)

997

Total Delinquency Rate (60+ days)

risk

Value: 2.97%

Peer Median: 0.71%

#997 of 1024 Bottom 2.7% in 100M-500M tier

958

Net Charge-Off Rate

risk

Value: 1.19%

Peer Median: 0.34%

#958 of 1024 Bottom 6.5% in 100M-500M tier

958

Average Member Relationship (AMR)

engagement

Value: $14,216

Peer Median: $23,006

#958 of 1024 Bottom 6.5% in 100M-500M tier

818

Loan-to-Member Ratio (LMR)

engagement

Value: $6,791

Peer Median: $9,434

#818 of 1024 Bottom 20.2% in 100M-500M tier

794

Share Certificate Concentration (%)

balance_sheet

Value: 32.20%

Peer Median: 23.39%

#794 of 1024 Bottom 22.6% in 100M-500M tier