BlastPoint's Credit Union Scorecard
IBEW/SJ CASCADE
Charter #14402 · OR
IBEW/SJ CASCADE demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.76% above tier average
- + Net Interest Margin 0.30% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 4.6% in tier
- + Member Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,817
+3.9% YoY+1.1% QoQ
|
+201 |
2,615
-1.9% YoY
|
49,474
+8.2% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$22.3M
+0.5% YoY+1.1% QoQ
|
$-7.8M |
$30.1M
+2.1% YoY
|
$800.8M
+6.1% YoY
|
$561.6M
+9.7% YoY
|
51% |
| Loans |
$14.1M
-4.9% YoY-1.5% QoQ
|
$-1.7M |
$15.8M
-1.3% YoY
|
$554.3M
+9.3% YoY
|
$397.0M
+8.8% YoY
|
60% |
| Deposits |
$19.2M
-1.1% YoY+0.6% QoQ
|
$-6.5M |
$25.7M
+1.4% YoY
|
$686.9M
+6.2% YoY
|
$477.3M
+9.7% YoY
|
51% |
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| ROA |
1.4%
+62.5% YoY+7.0% QoQ
|
+0.8% |
0.6%
+10.8% YoY
|
0.6%
+1.0% YoY
|
0.7%
+15.9% YoY
|
81% |
| NIM |
4.3%
+5.9% YoY-0.5% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.9%
+7.3% YoY
|
3.8%
+5.1% YoY
|
65% |
| Efficiency Ratio |
66.8%
-3.0% YoY-2.3% QoQ
|
-15.8% |
82.6%
-2.3% YoY
|
79.6%
-0.7% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
0.5%
+50.9% YoY+367.1% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.1%
+23.3% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
73.5%
-3.8% YoY-2.1% QoQ
|
+12.9% |
60.6%
-3.1% YoY
|
76.3%
+0.6% YoY
|
67.4%
-1.7% YoY
|
69% |
| AMR |
$11,820
-6.4% YoY-1.4% QoQ
|
$-3K |
$14,783
-1.4% YoY
|
$24,960
+0.4% YoY
|
$19,687
+2.0% YoY
|
38% |
| CD Concentration |
11.1%
-19.7% YoY+7.5% QoQ
|
-13.4% | 24.4% | 16.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 13.7% | 7.8% | 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)