BlastPoint's Credit Union Scorecard
I.L.W.U.
Charter #24916 · CA
I.L.W.U. shows strong momentum with 9 strengths and 10.8% YoY member growth
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 Engine: Top 5.7% in tier
- + Organic Growth Leader: Top 5.9% in tier
- + Relationship Depth Leader: Top 82.8% in tier
- + ROA 0.44% above tier average
- + Net Interest Margin 0.23% above tier average
- + Strong member growth: 10.8% YoY
- + Member Growth Rate: Top 3.6% in tier
- + Deposit Growth Rate: Top 3.6% in tier
- + Asset Growth Rate: Top 6.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
30,502
+10.8% YoY-0.6% QoQ
|
-8.1K |
38,575
-4.8% YoY
|
60,320
+5.7% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$567.1M
+13.0% YoY+1.0% QoQ
|
$-54.6M |
$621.7M
+0.1% YoY
|
$1.3B
+6.2% YoY
|
$561.6M
+9.7% YoY
|
28% |
| Loans |
$401.3M
+10.6% YoY-0.1% QoQ
|
$-28.5M |
$429.8M
-1.8% YoY
|
$856.7M
+6.3% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$513.1M
+16.1% YoY+0.9% QoQ
|
$-25.6M |
$538.7M
+0.6% YoY
|
$1.1B
+7.1% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
1.1%
+39.2% YoY-2.3% QoQ
|
+0.4% |
0.7%
+42.9% YoY
|
0.5%
+14.3% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.7%
+17.6% YoY-1.2% QoQ
|
+0.2% |
3.4%
+8.0% YoY
|
3.3%
+7.0% YoY
|
3.8%
+5.1% YoY
|
70% |
| Efficiency Ratio |
73.9%
-3.9% YoY+0.3% QoQ
|
-3.6% |
77.5%
-4.1% YoY
|
80.7%
-1.8% YoY
|
79.7%
-3.3% YoY
|
30% |
| Delinquency Rate |
0.6%
-10.6% YoY-3.7% QoQ
|
-0.2 |
0.8%
-1.1% YoY
|
0.7%
-40.0% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
78.2%
-4.7% YoY-1.0% QoQ
|
-1.6% |
79.8%
-2.3% YoY
|
68.6%
-1.3% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$29,978
+2.5% YoY+1.0% QoQ
|
+$3K |
$26,849
+2.7% YoY
|
$28,728
+2.4% YoY
|
$19,687
+2.0% YoY
|
73% |
| CD Concentration |
34.1%
+7.7% YoY+1.8% QoQ
|
+9.6% | 24.4% | 21.7% | 19.8% | 82% |
| Indirect Auto % |
0.4%
-26.3% YoY-14.3% QoQ
|
-13.4% | 13.8% | 9.2% | 7.8% | 34% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
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)