BlastPoint's Credit Union Scorecard

FIBRE

Charter #2191 · WA

Mid-Market 1B-3B

304 CUs in 1B-3B nationally 9 in WA

View Mid-Market leaderboard →

FIBRE has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 20.3% in tier
+ Profitability Leader: Top 26.6% in tier
+ ROA 0.73% above tier average
+ Net Interest Margin 0.47% above tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 11.4% in tier
- Credit Risk Growth: Bottom 18.2% in tier
- Indirect Auto Dependency: Bottom 19.5% in tier
- Delinquency rate 0.02% above tier average

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	120,092 +0.9% YoY+0.3% QoQ	+21.4K	98,678 -1.9% YoY	65,720 +2.5% YoY	33,089 +6.1% YoY	72%
Assets	$1.8B +3.5% YoY+1.3% QoQ	+$35.8M	$1.7B +0.5% YoY	$1.2B +3.7% YoY	$547.7M +7.8% YoY	61%
Loans	$1.2B +3.6% YoY+0.5% QoQ	+$9.9M	$1.2B +0.5% YoY	$909.1M +5.1% YoY	$388.7M +8.6% YoY	61%
Deposits	$1.5B +2.4% YoY+0.9% QoQ	+$43.2M	$1.5B +1.3% YoY	$1.0B +6.5% YoY	$464.6M +9.3% YoY	60%

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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	1.4% +111.5% YoY+5.7% QoQ	+0.7%	0.7% +13.4% YoY	0.6% +9.9% YoY	0.7% +273.4% YoY	Top 6.9% in tier
NIM	3.7% +12.3% YoY+1.1% QoQ	+0.5%	3.3% +9.3% YoY	3.7% +4.7% YoY	3.7% +5.0% YoY	80%
Efficiency Ratio	67.1% -11.4% YoY-2.2% QoQ	-6.9%	74.0% -10.9% YoY	76.4% -1.1% YoY	79.1% -3.3% YoY	23%
Delinquency Rate	0.8% +22.4% YoY+25.5% QoQ	+0.0	0.8% +6.1% YoY	0.9% -2.6% YoY	1.2% -0.9% YoY	66%
Loan To Share	83.0% +1.1% YoY-0.4% QoQ	-2.2%	85.2% -0.8% YoY	76.9% -2.2% YoY	68.0% -1.7% YoY	36%
AMR	$22,820 +2.0% YoY+0.4% QoQ	$-6K	$29,172 +2.8% YoY	$28,761 +2.7% YoY	$19,418 +1.3% YoY	20%
CD Concentration	24.2% +10.2% YoY+2.6% QoQ	-4.8%	29.0% +0.7% YoY	22.3% +2.5% YoY	19.6% +6.2% YoY	29%
Indirect Auto %	24.1% -9.7% YoY-2.3% QoQ	+5.4%	18.8% -3.0% YoY	17.1% -8.4% YoY	7.9% -2.9% YoY	66%

Signature Analysis

Strengths (2)

Organic Growth Engine

growth

#148 of 246 • Top 20.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.93%

(Tier: 3.18%, National: 9.37%)

but worse than tier avg

Return on Assets: 1.44%

(Tier: 0.71%, National: 0.71%)

better than tier avg

Indirect Auto %: 24.15%

(Tier: 18.77%, National: 7.90%)

but worse than tier avg

246 of 380 Mid-Market CUs have this signature | 917 nationally

↑ Growing +14 CUs YoY | Rank improving

Profitability Leader

growth

#26 of 95 • Top 26.6% in tier

Top-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.

Why This Signature

Return on Assets: 1.44%

(Tier: 0.71%, National: 0.71%)

better than tier avg

ROA Change (YoY): 0.76% points

(Tier: 0.07% points, National: 0.05% points)

better than tier avg

95 of 380 Mid-Market CUs have this signature | 457 nationally

→ Stable (93→95 CUs) +2 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#88 of 217 • Bottom 11.4% in tier

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

Why This Signature

Delinquency Change (YoY): 0.16% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

217 of 380 Mid-Market CUs have this signature | 1002 nationally

↓ Shrinking -70 CUs YoY

Credit Risk Growth

risk

#102 of 161 • Bottom 18.2% in tier

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

Why This Signature

Loan Growth (YoY): 3.59%

(Tier: 6.14%, National: 36.38%)

worse than tier avg

Delinquency Change (YoY): 0.16% points

(Tier: 0.07% points, National: 0.07% points)

worse than tier avg

161 of 380 Mid-Market CUs have this signature | 646 nationally

↓ Shrinking -30 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#121 of 202 • Bottom 19.5% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 3.53%

(Tier: 5.36%, National: 3.04%)

worse than tier avg

Indirect Auto %: 24.15%

(Tier: 18.77%, National: 7.90%)

worse than tier avg

Member Growth (YoY): 0.93%

(Tier: 3.18%, National: 9.37%)

worse than tier avg

202 of 380 Mid-Market CUs have this signature | 768 nationally

↓ Shrinking -7 CUs YoY

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 304 peers in tier

Top Strengths (5 metrics)

Return on Assets (ROA)

profitability

Value: 1.44%

Peer Avg: -

#21 of 304 Top 6.6% in 1B-3B tier

Net Worth Ratio

risk

Value: 13.53%

Peer Avg: -

#40 of 304 Top 12.8% in 1B-3B tier

Net Interest Margin (NIM)

profitability

Value: 3.73%

Peer Avg: -

#61 of 304 Top 19.7% in 1B-3B tier

Fee Income Per Member

profitability

Value: $253.42

Peer Avg: -

#71 of 304 Top 23.0% in 1B-3B tier

Efficiency Ratio

profitability

Value: 67.09%

Peer Avg: -

#72 of 304 Top 23.4% in 1B-3B tier

Top Weaknesses (2 metrics)

243

Average Member Relationship (AMR)

engagement

Value: $22,820

Peer Avg: -

#243 of 304 Bottom 20.4% in 1B-3B tier

242

Loan-to-Member Ratio (LMR)

engagement

Value: $10,350

Peer Avg: -

#242 of 304 Bottom 20.7% in 1B-3B tier