BlastPoint's Credit Union Scorecard
FIBRE
Charter #2191 · WA
FIBRE has 2 strengths but faces 5 concerns
How does the industry compare?
What's your peer group doing?
How does WA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 19.2% in tier
- - Margin Compression: Bottom 32.4% in tier
- - Indirect Auto Dependency: Bottom 43.9% in tier
- - Credit Risk Growth: Bottom 63.7% in tier
- - Delinquency rate 0.07% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120,234
+1.1% YoY+0.5% QoQ
|
+24.2K |
96,048
-2.7% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
74% |
| Assets |
$1.8B
+5.6% YoY+2.2% QoQ
|
+$104.6M |
$1.7B
+0.4% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$1.2B
+3.3% YoY+0.0% QoQ
|
+$31.4M |
$1.2B
+0.2% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
63% |
| Deposits |
$1.6B
+5.1% YoY+2.1% QoQ
|
+$92.5M |
$1.5B
+0.5% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
0.9%
-20.2% YoY-30.8% QoQ
|
+0.2% |
0.7%
+27.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
69% |
| NIM |
3.7%
-0.5% YoY-0.8% QoQ
|
+0.3% |
3.4%
+6.2% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
73% |
| Efficiency Ratio |
73.6%
+2.2% YoY+7.4% QoQ
|
-1.0% |
74.6%
-3.0% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
44% |
| Delinquency Rate |
0.8%
+29.8% YoY-1.2% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
70% |
| Loan To Share |
79.9%
-1.7% YoY-2.1% QoQ
|
-3.3% |
83.2%
-0.4% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
34% |
| AMR |
$23,314
+3.2% YoY+0.6% QoQ
|
$-6K |
$29,652
+2.3% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
22% |
| CD Concentration |
24.8%
+10.1% YoY+0.0% QoQ
|
-4.0% | 28.8% | 22.5% | 19.8% | 32% |
| Indirect Auto % |
21.4%
-15.1% YoY-2.8% QoQ
|
+3.3% | 18.1% | 16.1% | 7.7% | 63% |
Signature Analysis
Strengths (0)
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)