BlastPoint's Credit Union Scorecard
FIBRE
Charter #2191 · WA
FIBRE has 2 strengths but faces 6 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 0.11% above tier average
- + Net Interest Margin 0.33% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14.2% in tier
- - Margin Compression: Bottom 37.1% in tier
- - Indirect Auto Dependency: Bottom 50.5% in tier
- - Credit Risk Growth: Bottom 66.4% in tier
- - Efficiency ratio 0.50% above tier (higher cost structure)
- - Delinquency rate 0.10% above tier average
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 300 credit unions with $1B-$3B in assets nationally, and 1 of 9 that size in Washington.
- Shares and deposits +4.7% year over year ($1.55B in shares and deposits).
- Membership: 120,991 members, +1.1% vs a year ago.
- Delinquency rate 0.96%.
- Return on assets 0.93%.
- Efficiency ratio 73.52% vs a 73.02% peer average.
- Loan-to-share ratio 82.08% vs a 84.71% 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
120,991
+1.1% YoY+0.6% QoQ
|
+24.1K |
96,861
-1.9% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
74% |
| Assets |
$1.8B
+5.3% YoY+0.0% QoQ
|
+$100.7M |
$1.7B
+0.4% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$1.3B
+3.2% YoY+2.5% QoQ
|
+$41.9M |
$1.2B
+0.7% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$1.6B
+4.7% YoY-0.2% QoQ
|
+$91.3M |
$1.5B
+0.5% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% 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 |
0.9%
-31.8% YoY+4.5% QoQ
|
+0.1% |
0.8%
+27.6% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
66% |
| NIM |
3.8%
+1.9% YoY+2.2% QoQ
|
+0.3% |
3.4%
+6.6% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
72% |
| Efficiency Ratio |
73.5%
+7.2% YoY-0.2% QoQ
|
+0.5% |
73.0%
-2.7% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
49% |
| Delinquency Rate |
1.0%
+42.5% YoY+16.9% QoQ
|
+0.1 |
0.9%
+7.3% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
71% |
| Loan To Share |
82.1%
-1.5% YoY+2.7% QoQ
|
-2.6% |
84.7%
+0.1% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$23,396
+2.9% YoY+0.4% QoQ
|
$-6K |
$29,575
+1.5% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
25.3%
+7.1% YoY+1.8% QoQ
|
-3.8% | 29.1% | 22.7% | 20.0% | 33% |
| Indirect Auto % |
21.7%
-12.2% YoY+1.3% QoQ
|
+3.6% | 18.1% | 16.0% | 7.7% | 64% |
Signature Analysis
Strengths (0)
Concerns (4)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)