BlastPoint's Credit Union Scorecard
IQ
Charter #60438 · WA
IQ has 5 strengths but faces 2 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
- + Relationship Depth Leader: Top 27.2% in tier
- + Wallet Share Momentum: Top 27.2% in tier
- + ROA 0.26% above tier average
- + Share Certificate Concentration (%): Top 1.0% in tier
- + Fee Income Per Member: Top 9.3% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 28.7% in tier
- - Indirect Auto Dependency: Bottom 33.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104,584
+0.7% YoY+0.1% QoQ
|
+7.2K |
97,431
-2.4% YoY
|
67,597
+5.2% YoY
|
33,374
+5.7% YoY
|
64% |
| Assets |
$2.2B
+7.6% YoY+0.6% QoQ
|
+$440.8M |
$1.7B
+0.9% YoY
|
$1.3B
+7.9% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$1.7B
+5.7% YoY-2.3% QoQ
|
+$418.9M |
$1.2B
+0.5% YoY
|
$943.7M
+8.0% YoY
|
$397.0M
+8.8% YoY
|
80% |
| Deposits |
$1.9B
+7.5% YoY+0.6% QoQ
|
+$446.1M |
$1.5B
+0.9% YoY
|
$1.1B
+9.4% YoY
|
$477.3M
+9.7% YoY
|
78% |
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| ROA |
0.9%
-11.1% YoY+4.1% QoQ
|
+0.3% |
0.7%
+20.9% YoY
|
0.6%
+2.5% YoY
|
0.7%
+15.9% YoY
|
74% |
| NIM |
3.2%
-1.2% YoY+0.4% QoQ
|
+0.0% |
3.3%
+9.2% YoY
|
3.7%
+4.7% YoY
|
3.8%
+5.1% YoY
|
46% |
| Efficiency Ratio |
70.5%
+1.7% YoY-1.1% QoQ
|
-3.6% |
74.1%
-9.5% YoY
|
76.6%
-1.6% YoY
|
79.7%
-3.3% YoY
|
34% |
| Delinquency Rate |
0.7%
-12.7% YoY+27.3% QoQ
|
-0.2 |
0.9%
+6.2% YoY
|
0.9%
-2.6% YoY
|
1.3%
-2.1% YoY
|
47% |
| Loan To Share |
86.8%
-1.7% YoY-2.9% QoQ
|
+2.0% |
84.8%
-0.8% YoY
|
76.8%
-1.3% YoY
|
67.4%
-1.7% YoY
|
49% |
| AMR |
$34,028
+5.9% YoY-0.9% QoQ
|
+$5K |
$29,428
+2.4% YoY
|
$29,074
+3.3% YoY
|
$19,687
+2.0% YoY
|
80% |
| CD Concentration |
8.3%
-7.2% YoY-3.5% QoQ
|
-20.8% | 29.0% | 22.5% | 19.8% | Bottom 1.3% in tier |
| Indirect Auto % |
21.0%
+12.7% YoY-4.4% QoQ
|
+2.7% | 18.3% | 16.8% | 7.8% | 60% |
Signature Analysis
Strengths (2)
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 (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)