BlastPoint's Credit Union Scorecard
IQ
Charter #60438 · WA
IQ has 6 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 40.6% in tier
- + Organic Growth Engine: Top 79.7% in tier
- + Wallet Share Momentum: Top 82.0% 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
- - Indirect Auto Dependency: Bottom 47.2% in tier
- - Margin Compression: Bottom 77.8% 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% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| 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 (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
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)