BlastPoint's Credit Union Scorecard
INDUSTRIAL CU OF WHATCOM COUNTY
Charter #66337 · WA
INDUSTRIAL CU OF WHATCOM COUNTY has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.53% above tier average
- + Total Members: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Indirect Auto Dependency: Bottom 50.0% in tier
- - ROA 0.34% below tier average
- - Efficiency ratio 1.96% above tier (higher cost structure)
- - Member decline: -3.3% YoY
- - Net Charge-Off Rate: Bottom 3.7% in tier
- - Deposit Growth Rate: Bottom 4.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Washington.
- Shares and deposits -4.4% year over year ($341M in shares and deposits).
- Membership: 32,854 members, -3.3% vs a year ago.
- Delinquency rate 0.26%.
- Return on assets 0.52%.
- Efficiency ratio 78.69% vs a 76.73% peer average.
- Loan-to-share ratio 75.66% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
32,854
-3.3% YoY-0.7% QoQ
|
+17.7K |
15,168
-2.6% YoY
|
69,472
+6.3% YoY
|
34,678
+6.6% YoY
|
Top 4.8% in tier |
| Assets |
$391.6M
-3.2% YoY-0.9% QoQ
|
+$159.6M |
$232.0M
+0.7% YoY
|
$1.3B
+8.7% YoY
|
$593.1M
+10.2% YoY
|
Top 12.5% in tier |
| Loans |
$257.7M
-0.1% YoY-0.0% QoQ
|
+$111.5M |
$146.3M
+0.2% YoY
|
$968.5M
+8.7% YoY
|
$418.6M
+10.1% YoY
|
Top 11.8% in tier |
| Deposits |
$340.7M
-4.4% YoY-1.1% QoQ
|
+$140.0M |
$200.7M
+0.2% YoY
|
$1.1B
+8.8% YoY
|
$504.8M
+10.3% YoY
|
Top 11.6% in tier |
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| ROA |
0.5%
+3.7% YoY+75.2% QoQ
|
-0.3% |
0.9%
+12.5% YoY
|
0.7%
+22.8% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
4.2%
+1.7% YoY+1.8% QoQ
|
+0.5% |
3.7%
+4.5% YoY
|
3.8%
+3.6% YoY
|
3.8%
+2.3% YoY
|
81% |
| Efficiency Ratio |
78.7%
+4.4% YoY-0.9% QoQ
|
+2.0% |
76.7%
-0.8% YoY
|
77.5%
+0.3% YoY
|
83.0%
-5.3% YoY
|
54% |
| Delinquency Rate |
0.3%
-53.8% YoY-38.5% QoQ
|
-0.6 |
0.9%
+6.6% YoY
|
0.9%
-3.0% YoY
|
1.3%
+2.6% YoY
|
16% |
| Loan To Share |
75.7%
+4.5% YoY+1.1% QoQ
|
+4.1% |
71.5%
-0.3% YoY
|
76.2%
-1.2% YoY
|
66.4%
-1.4% YoY
|
54% |
| AMR |
$18,214
+0.7% YoY+0.0% QoQ
|
$-7K |
$25,107
+3.2% YoY
|
$29,351
+3.2% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
16.2%
-16.6% YoY+0.3% QoQ
|
-8.3% | 24.6% | 22.7% | 20.0% | 50% |
| Indirect Auto % |
37.0%
-17.8% YoY-3.5% QoQ
|
+23.4% | 13.6% | 16.0% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)