BlastPoint's Credit Union Scorecard

I.L.W.U.

Charter #24916 · CA

Community 500M-750M

167 CUs in 500M-750M nationally 10 in CA

View Community leaderboard →

I.L.W.U. has 8 strengths but faces 2 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

CA Analysis

How does CA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 4.9% in tier
+ Organic Growth Engine: Top 4.9% in tier
+ Relationship Depth Leader: Top 45.1% in tier
+ ROA 0.38% above tier average
+ Net Interest Margin 0.08% above tier average
+ Strong member growth: 9.1% YoY
+ Asset Growth Rate: Top 1.8% in tier
+ Deposit Growth Rate: Top 1.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 25.7% in tier
- Share Certificate Concentration (%): Bottom 9.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Members	30,315 +9.1% YoY-0.6% QoQ	-7.8K	38,079 -4.8% YoY	57,202 -0.9% YoY	33,913 +5.7% YoY	22%
Assets	$601.9M +16.5% YoY+6.1% QoQ	$-17.8M	$619.7M -0.2% YoY	$1.2B +0.4% YoY	$578.3M +9.0% YoY	42%
Loans	$397.3M +9.5% YoY-1.0% QoQ	$-22.1M	$419.3M -1.4% YoY	$813.8M +0.1% YoY	$402.4M +8.7% YoY	37%
Deposits	$546.9M +16.7% YoY+6.6% QoQ	+$7.4M	$539.5M -0.1% YoY	$1.0B +1.2% YoY	$494.3M +9.1% YoY	53%

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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	1.1% -15.3% YoY-3.0% QoQ	+0.4%	0.7% +36.0% YoY	2.1% +290.7% YoY	0.4% -39.2% YoY	77%
NIM	3.5% +2.3% YoY-3.5% QoQ	+0.1%	3.5% +4.5% YoY	5.0% +56.5% YoY	3.8% +4.1% YoY	58%
Efficiency Ratio	75.6% +6.8% YoY+2.3% QoQ	-2.8%	78.4% -3.7% YoY	81.3% -2.7% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.5% -28.1% YoY-18.2% QoQ	-0.2	0.7% -0.9% YoY	0.6% -45.1% YoY	1.2% +3.4% YoY	36%
Loan To Share	72.6% -6.2% YoY-7.1% QoQ	-5.0%	77.7% -1.2% YoY	67.3% -0.6% YoY	65.6% -1.4% YoY	32%
AMR	$31,144 +4.0% YoY+3.9% QoQ	+$4K	$26,927 +3.1% YoY	$28,733 +1.2% YoY	$19,920 +1.6% YoY	77%
CD Concentration	37.0% +8.9% YoY+8.6% QoQ	+12.7%	24.3%	21.6%	19.8%	Top 10.2% in tier
Indirect Auto %	0.3% -27.3% YoY-15.1% QoQ	-13.5%	13.8%	9.0%	7.7%	33%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#34 of 371 • Top 4.9% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 9.11%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.32%

(Tier: 13.80%, National: 7.73%)

better than tier avg

518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#35 of 352 • Top 4.9% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 9.11%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.07%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.32%

(Tier: 13.80%, National: 7.73%)

better than tier avg

499 nationally

→ No prior data (352 CUs now) | New qualifier

Relationship Depth Leader

growth

#159 of 257 • Top 45.1% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 4.03%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.3K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 284 Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Concerns (1)

Margin Compression

decline

#60 of 133 • Bottom 25.7% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.07%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.26%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.19% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 284 Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

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 167 peers in tier

Top Strengths (10 metrics)

Asset Growth Rate

growth

Value: 16.48%

Peer Median: 4.66%

#4 of 167 Top 1.8% in 500M-750M tier

Deposit Growth Rate

growth

Value: 16.66%

Peer Median: 4.02%

#4 of 167 Top 1.8% in 500M-750M tier

Member Growth Rate

growth

Value: 9.11%

Peer Median: 1.03%

#6 of 167 Top 3.0% in 500M-750M tier

Loan Growth Rate

growth

Value: 9.45%

Peer Median: 4.25%

#30 of 167 Top 17.4% in 500M-750M tier

Fee Income Per Member

profitability

Value: $252.80

Peer Median: $178.80

#34 of 167 Top 19.8% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.07%

Peer Median: 0.61%

#38 of 167 Top 22.2% in 500M-750M tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.32%

Peer Median: 10.91%

#38 of 167 Top 22.2% in 500M-750M tier

Average Member Relationship (AMR)

engagement

Value: $31,144

Peer Median: $25,600

#38 of 167 Top 22.2% in 500M-750M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $13,104

Peer Median: $11,231

#41 of 167 Top 24.0% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 374.259

Peer Median: 318.730

#42 of 167 Top 24.6% in 500M-750M tier

Top Weaknesses (2 metrics)

153

Share Certificate Concentration (%)

balance_sheet

Value: 36.97%

Peer Median: 26.29%

#153 of 167 Bottom 9.0% in 500M-750M tier

130

Total Members

engagement

Value: 30,315

Peer Median: 36,874

#130 of 167 Bottom 22.8% in 500M-750M tier