BlastPoint's Credit Union Scorecard
FIBRE
Charter #2191 · WA
FIBRE has 4 strengths but faces 3 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
- + Organic Growth Engine: Top 58.5% in tier
- + Emerging Performer: Top 64.5% in tier
- + ROA 0.60% above tier average
- + Net Interest Margin 0.43% above tier average
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 68.2% in tier
- - Credit Quality Pressure: Bottom 77.6% in tier
- - Credit Risk Growth: Bottom 90.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
119,597
+1.0% YoY-0.4% QoQ
|
+22.2K |
97,431
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
73% |
| Assets |
$1.8B
+5.3% YoY+1.7% QoQ
|
+$62.5M |
$1.7B
+0.9% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
62% |
| Loans |
$1.2B
+3.4% YoY+0.1% QoQ
|
+$10.4M |
$1.2B
+0.5% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$1.5B
+4.4% YoY+1.9% QoQ
|
+$66.3M |
$1.5B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
62% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.3%
+76.7% YoY-10.7% QoQ
|
+0.6% |
0.7%
+20.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
Top 9.6% in tier |
| NIM |
3.7%
+11.0% YoY-0.6% QoQ
|
+0.4% |
3.3%
+9.2% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
78% |
| Efficiency Ratio |
68.6%
-8.6% YoY+2.2% QoQ
|
-5.5% |
74.1%
-9.5% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
27% |
| Delinquency Rate |
0.8%
+7.4% YoY-1.7% QoQ
|
-0.1 |
0.9%
+6.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
58% |
| Loan To Share |
81.6%
-0.9% YoY-1.7% QoQ
|
-3.2% |
84.8%
-0.8% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$23,165
+2.9% YoY+1.5% QoQ
|
$-6K |
$29,428
+2.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
20% |
| CD Concentration |
24.8%
+10.1% YoY+2.5% QoQ
|
-4.2% | 29.0% | 22.5% | 19.8% | 32% |
| Indirect Auto % |
22.0%
-15.0% YoY-8.7% QoQ
|
+3.7% | 18.3% | 16.8% | 7.8% | 63% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (3)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)