BlastPoint's Credit Union Scorecard

IRONWORKERS USA

Charter #13649 · OR

1069 CUs in 100M-500M nationally 18 in OR

IRONWORKERS USA has 13 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 1.2% in tier
+ Organic Growth Leader: Top 4.5% in tier
+ Emerging Performer: Top 8.3% in tier
+ ROA 0.45% above tier average
+ Net Interest Margin 1.30% above tier average
+ Strong member growth: 15.5% 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 2.3% in tier
+ Deposit Growth Rate: Top 4.7% in tier
+ Asset Growth Rate: Top 4.8% in tier
+ Loan Growth Rate: Top 6.0% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 2.4% in tier
- Credit Quality Pressure: Bottom 11.5% in tier
- Margin Compression: Bottom 38.5% in tier
- Liquidity Strain: Bottom 46.7% in tier
- Delinquency rate 2.04% above tier average
- Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- Average Member Relationship (AMR): Bottom 5.3% in tier
- Net Charge-Off Rate: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	17,848 +15.5% YoY+2.0% QoQ	+2.4K	15,437 -2.9% YoY	49,474 +8.2% YoY	33,374 +5.7% YoY	68%
Assets	$143.4M +13.7% YoY+1.6% QoQ	$-88.5M	$231.9M +1.3% YoY	$800.8M +6.1% YoY	$561.6M +9.7% YoY	28%
Loans	$116.8M +16.2% YoY+2.0% QoQ	$-30.5M	$147.3M -0.1% YoY	$554.3M +9.3% YoY	$397.0M +8.8% YoY	46%
Deposits	$126.4M +14.1% YoY+1.9% QoQ	$-74.4M	$200.8M +0.8% YoY	$686.9M +6.2% YoY	$477.3M +9.7% 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% -17.7% YoY+0.4% QoQ	+0.5%	0.8% +18.2% YoY	0.6% +1.0% YoY	0.7% +15.9% YoY	80%
NIM	4.9% -3.2% YoY-0.8% QoQ	+1.3%	3.6% +6.7% YoY	3.9% +7.3% YoY	3.8% +5.1% YoY	Top 3.6% in tier
Efficiency Ratio	67.5% -2.9% YoY-2.9% QoQ	-9.5%	77.0% -3.1% YoY	79.6% -0.7% YoY	79.7% -3.3% YoY	19%
Delinquency Rate	2.9% +30.4% YoY-14.5% QoQ	+2.0	0.9% +4.2% YoY	1.1% +23.3% YoY	1.3% -2.1% YoY	Top 2.4% in tier
Loan To Share	92.4% +1.8% YoY+0.1% QoQ	+20.2%	72.2% -1.1% YoY	76.3% +0.6% YoY	67.4% -1.7% YoY	Top 10.4% in tier
AMR	$13,628 -0.4% YoY-0.0% QoQ	$-11K	$24,676 +3.4% YoY	$24,960 +0.4% YoY	$19,687 +2.0% YoY	Bottom 5.2% in tier
CD Concentration	29.2% +2.6% YoY+2.8% QoQ	+4.8%	24.4%	16.6%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	13.7%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#8 of 595 • Top 1.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 15.52%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.22%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#20 of 426 • Top 4.5% in tier

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

Why This Signature

Member Growth (YoY): 15.52%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Emerging Performer

growth

#16 of 182 • Top 8.3% 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: 1.22%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Member Growth (YoY): 15.52%

(Tier: 0.69%, National: 4.32%)

better than tier avg

182 of 1069 Mid-Small & Community CUs have this signature | 282 nationally

→ No prior data (182 CUs now) | New qualifier

Concerns (4)

Credit Risk Growth

risk

#12 of 456 • Bottom 2.4% in tier

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

Why This Signature

Loan Growth (YoY): 16.16%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.68% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Credit Quality Pressure

risk

#82 of 705 • Bottom 11.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.68% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank improving

Margin Compression

decline

#48 of 123 • Bottom 38.5% 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: 1.22%

(Tier: 0.75%, National: 0.67%)

but better than tier avg

ROA (Prior Year): 1.48%

(Tier: 0.63%, National: 0.62%)

but better than tier avg

ROA Change (YoY): -0.26% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

123 of 1069 Mid-Small & Community CUs have this signature | 145 nationally

→ No prior data (123 CUs now) | New qualifier

Liquidity Strain

risk

#107 of 228 • Bottom 46.7% in tier

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

Why This Signature

Loan-to-Share Ratio: 92.45%

(Tier: 74.08%, National: 67.44%)

but better than tier avg

Loan Growth (YoY): 16.16%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

228 of 1069 Mid-Small & Community CUs have this signature | 439 nationally

↓ Shrinking -37 CUs YoY | Rank improving

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 1069 peers in tier

Top Strengths (11 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 637.429

Peer Median: -

#17 of 1069 Top 1.5% in 100M-500M tier

Member Growth Rate

growth

Value: 15.52%

Peer Median: -

#26 of 1069 Top 2.3% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.90%

Peer Median: -

#39 of 1069 Top 3.6% in 100M-500M tier

Deposit Growth Rate

growth

Value: 14.13%

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

Asset Growth Rate

growth

Value: 13.71%

Peer Median: -

#52 of 1069 Top 4.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 16.16%

Peer Median: -

#65 of 1069 Top 6.0% in 100M-500M tier

111

Loan-to-Share Ratio

balance_sheet

Value: 92.45%

Peer Median: -

#111 of 1069 Top 10.3% in 100M-500M tier

207

Efficiency Ratio

profitability

Value: 67.49%

Peer Median: -

#207 of 1069 Top 19.3% in 100M-500M tier

Top Weaknesses (5 metrics)

1044

Total Delinquency Rate (60+ days)

risk

Value: 2.93%

Peer Median: -

#1044 of 1069 Bottom 2.4% in 100M-500M tier

1013

Average Member Relationship (AMR)

engagement

Value: $13,628

Peer Median: -

#1013 of 1069 Bottom 5.3% in 100M-500M tier

984

Net Charge-Off Rate

risk

Value: 1.14%

Peer Median: -

#984 of 1069 Bottom 8.0% in 100M-500M tier

890

AMR Growth Rate

growth

Value: -0.37%

Peer Median: -

#890 of 1069 Bottom 16.8% in 100M-500M tier

880

Loan-to-Member Ratio (LMR)

engagement

Value: $6,546

Peer Median: -

#880 of 1069 Bottom 17.8% in 100M-500M tier