BlastPoint's Credit Union Scorecard
IQ
Charter #60438 · WA
IQ has 4 strengths but faces 4 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 27.1% in tier
- + Wallet Share Momentum: Top 27.1% in tier
- + ROA 0.64% above tier average
- + Share Certificate Concentration (%): Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.8% in tier
- - Credit Risk Growth: Bottom 30.8% in tier
- - Indirect Auto Dependency: Bottom 40.8% in tier
- - Delinquency rate 0.10% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
105,204
+1.3% YoY+0.6% QoQ
|
+9.2K |
96,048
-2.7% YoY
|
67,148
+4.0% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$2.2B
+5.9% YoY+1.6% QoQ
|
+$479.1M |
$1.7B
+0.4% YoY
|
$1.3B
+6.8% YoY
|
$578.3M
+9.0% YoY
|
77% |
| Loans |
$1.7B
+8.8% YoY+0.9% QoQ
|
+$454.4M |
$1.2B
+0.2% YoY
|
$931.6M
+6.7% YoY
|
$402.4M
+8.7% YoY
|
80% |
| Deposits |
$1.9B
+5.4% YoY+1.4% QoQ
|
+$466.1M |
$1.5B
+0.5% YoY
|
$1.1B
+7.7% YoY
|
$494.3M
+9.1% YoY
|
78% |
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| ROA |
1.4%
+25.6% YoY+44.0% QoQ
|
+0.6% |
0.7%
+27.6% YoY
|
0.5%
+1.1% YoY
|
0.4%
-39.2% YoY
|
Top 10.1% in tier |
| NIM |
3.4%
+1.5% YoY+3.3% QoQ
|
+0.0% |
3.4%
+6.2% YoY
|
3.7%
+3.5% YoY
|
3.8%
+4.1% YoY
|
49% |
| Efficiency Ratio |
66.2%
-6.9% YoY-6.0% QoQ
|
-8.4% |
74.6%
-3.0% YoY
|
78.0%
-0.9% YoY
|
84.6%
+2.8% YoY
|
15% |
| Delinquency Rate |
0.9%
+34.7% YoY+16.1% QoQ
|
+0.1 |
0.8%
+6.9% YoY
|
0.9%
+10.5% YoY
|
1.2%
+3.4% YoY
|
72% |
| Loan To Share |
86.4%
+3.2% YoY-0.5% QoQ
|
+3.2% |
83.2%
-0.4% YoY
|
74.8%
-1.7% YoY
|
65.6%
-1.4% YoY
|
54% |
| AMR |
$34,217
+5.6% YoY+0.6% QoQ
|
+$5K |
$29,652
+2.3% YoY
|
$29,247
+2.9% YoY
|
$19,920
+1.6% YoY
|
79% |
| CD Concentration |
6.3%
-22.8% YoY-24.3% QoQ
|
-22.6% | 28.8% | 22.5% | 19.8% | Bottom 1.3% in tier |
| Indirect Auto % |
20.1%
+13.7% YoY-4.5% QoQ
|
+2.0% | 18.1% | 16.1% | 7.7% | 61% |
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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)