BlastPoint's Credit Union Scorecard
IQ
Charter #60438 · WA
IQ has 4 strengths but faces 1 concern
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 18.2% in tier
- + Wallet Share Momentum: Top 46.1% in tier
- + ROA 0.20% above tier average
- + Share Certificate Concentration (%): Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 13.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
104,439
+0.4% YoY+0.3% QoQ
|
+5.8K |
98,678
-1.9% YoY
|
65,720
+2.5% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$2.2B
+7.1% YoY+3.3% QoQ
|
+$432.4M |
$1.7B
+0.5% YoY
|
$1.2B
+3.7% YoY
|
$547.7M
+7.8% YoY
|
74% |
| Loans |
$1.7B
+10.0% YoY+7.5% QoQ
|
+$459.8M |
$1.2B
+0.5% YoY
|
$909.1M
+5.1% YoY
|
$388.7M
+8.6% YoY
|
81% |
| Deposits |
$1.9B
+7.3% YoY+3.5% QoQ
|
+$439.3M |
$1.5B
+1.3% YoY
|
$1.0B
+6.5% YoY
|
$464.6M
+9.3% YoY
|
77% |
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| ROA |
0.9%
+1.9% YoY-11.2% QoQ
|
+0.2% |
0.7%
+13.4% YoY
|
0.6%
+9.9% YoY
|
0.7%
+273.4% YoY
|
68% |
| NIM |
3.2%
-1.8% YoY-0.6% QoQ
|
-0.0% |
3.3%
+9.3% YoY
|
3.7%
+4.7% YoY
|
3.7%
+5.0% YoY
|
46% |
| Efficiency Ratio |
71.2%
+2.1% YoY-0.8% QoQ
|
-2.7% |
74.0%
-10.9% YoY
|
76.4%
-1.1% YoY
|
79.1%
-3.3% YoY
|
35% |
| Delinquency Rate |
0.6%
-47.8% YoY-16.3% QoQ
|
-0.2 |
0.8%
+6.1% YoY
|
0.9%
-2.6% YoY
|
1.2%
-0.9% YoY
|
39% |
| Loan To Share |
89.4%
+2.6% YoY+3.9% QoQ
|
+4.2% |
85.2%
-0.8% YoY
|
76.9%
-2.2% YoY
|
68.0%
-1.7% YoY
|
53% |
| AMR |
$34,341
+8.1% YoY+5.0% QoQ
|
+$5K |
$29,172
+2.8% YoY
|
$28,761
+2.7% YoY
|
$19,418
+1.3% YoY
|
82% |
| CD Concentration |
8.6%
-29.7% YoY+11.2% QoQ
|
-20.4% |
29.0%
+0.7% YoY
|
22.3%
+2.5% YoY
|
19.6%
+6.2% YoY
|
Bottom 1.3% in tier |
| Indirect Auto % |
22.0%
+6.0% YoY+7.4% QoQ
|
+3.2% |
18.8%
-3.0% YoY
|
17.1%
-8.4% YoY
|
7.9%
-2.9% YoY
|
62% |
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 (1)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)