BlastPoint's Credit Union Scorecard
I.L.W.U.
Charter #24916 · CA
I.L.W.U. has 8 strengths but faces 2 concerns
How does the industry compare?
What's your peer group doing?
How does CA stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 5.0% in tier
- + Organic Growth Engine: Top 5.0% in tier
- + Relationship Depth Leader: Top 36.2% in tier
- + Wallet Share Momentum: Top 36.2% in tier
- + ROA 0.35% above tier average
- + Net Interest Margin 0.07% above tier average
- + Strong member growth: 8.4% YoY
- + Asset Growth Rate: Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.08% above tier average
- - Share Certificate Concentration (%): Bottom 7.3% in tier
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 165 credit unions with $500M-$750M in assets nationally, and 1 of 10 that size in California.
- Shares and deposits +16.0% year over year ($550M in shares and deposits).
- Membership: 30,417 members, +8.4% vs a year ago.
- Delinquency rate 0.89%.
- Return on assets 1.17%.
- Efficiency ratio 73.79% vs a 76.56% peer average.
- Loan-to-share ratio 74.07% vs a 79.33% 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 (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,417
+8.4% YoY+0.3% QoQ
|
-7.5K |
37,897
-5.0% YoY
|
67,400
+7.3% YoY
|
34,678
+6.6% YoY
|
22% |
| Assets |
$607.5M
+16.5% YoY+0.9% QoQ
|
$-14.8M |
$622.4M
+0.6% YoY
|
$1.4B
+10.3% YoY
|
$593.1M
+10.2% YoY
|
45% |
| Loans |
$407.5M
+11.6% YoY+2.6% QoQ
|
$-21.0M |
$428.5M
-0.7% YoY
|
$958.9M
+10.2% YoY
|
$418.6M
+10.1% YoY
|
38% |
| Deposits |
$550.2M
+16.0% YoY+0.6% QoQ
|
+$10.5M |
$539.8M
+0.9% YoY
|
$1.2B
+11.1% YoY
|
$504.8M
+10.3% YoY
|
56% |
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| ROA |
1.2%
-2.6% YoY+9.3% QoQ
|
+0.4% |
0.8%
+39.5% YoY
|
2.5%
+328.4% YoY
|
1.2%
+121.4% YoY
|
84% |
| NIM |
3.6%
+2.2% YoY+1.4% QoQ
|
+0.1% |
3.5%
+5.0% YoY
|
3.4%
+4.4% YoY
|
3.8%
+2.3% YoY
|
54% |
| Efficiency Ratio |
73.8%
+2.7% YoY-2.4% QoQ
|
-2.8% |
76.6%
-3.6% YoY
|
79.7%
-4.5% YoY
|
83.0%
-5.3% YoY
|
32% |
| Delinquency Rate |
0.9%
-6.5% YoY+81.1% QoQ
|
+0.1 |
0.8%
+3.1% YoY
|
0.7%
-14.3% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
74.1%
-3.8% YoY+2.0% QoQ
|
-5.3% |
79.3%
-1.4% YoY
|
69.0%
+0.5% YoY
|
66.4%
-1.4% YoY
|
28% |
| AMR |
$31,488
+5.2% YoY+1.1% QoQ
|
+$4K |
$27,294
+4.1% YoY
|
$29,171
+2.5% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
38.4%
+4.3% YoY+3.8% QoQ
|
+13.8% | 24.6% | 22.2% | 20.0% | Top 9.1% in tier |
| Indirect Auto % |
0.4%
-26.6% YoY+29.5% QoQ
|
-13.2% | 13.6% | 9.2% | 7.7% | 34% |
Signature Analysis
Strengths (4)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)