BlastPoint's Credit Union Scorecard

INDUSTRIAL CU OF WHATCOM COUNTY

Charter #66337 · WA

100M-500M

1069 CUs in 100M-500M nationally 16 in WA

INDUSTRIAL CU OF WHATCOM COUNTY has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

WA Analysis

How does WA stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Net Interest Margin 0.69% above tier average
+ Total Members: Top 4.7% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- ROA 0.12% below tier average
- Member decline: -11.2% YoY
- Member Growth Rate: Bottom 2.6% in tier
- Net Charge-Off Rate: Bottom 3.1% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Members	33,218 -11.2% YoY-1.1% QoQ	+17.8K	15,437 -2.9% YoY	67,597 +5.2% YoY	33,374 +5.7% YoY	Top 4.8% in tier
Assets	$388.4M -0.3% YoY-1.9% QoQ	+$156.6M	$231.9M +1.3% YoY	$1.3B +7.9% YoY	$561.6M +9.7% YoY	Top 12.6% in tier
Loans	$257.9M -4.0% YoY+0.5% QoQ	+$110.6M	$147.3M -0.1% YoY	$943.7M +8.0% YoY	$397.0M +8.8% YoY	Top 12.5% in tier
Deposits	$337.7M -1.4% YoY-2.4% QoQ	+$136.9M	$200.8M +0.8% YoY	$1.1B +9.4% YoY	$477.3M +9.7% YoY	Top 12.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.6% +166.9% YoY+2.2% QoQ	-0.1%	0.8% +18.2% YoY	0.6% +2.5% YoY	0.7% +15.9% YoY	41%
NIM	4.3% +0.4% YoY+2.5% QoQ	+0.7%	3.6% +6.7% YoY	3.7% +4.7% YoY	3.8% +5.1% YoY	Top 14.7% in tier
Efficiency Ratio	75.5% +2.8% YoY+1.5% QoQ	-1.6%	77.0% -3.1% YoY	76.6% -1.6% YoY	79.7% -3.3% YoY	43%
Delinquency Rate	0.6% -11.9% YoY-10.8% QoQ	-0.2	0.9% +4.2% YoY	0.9% -2.6% YoY	1.3% -2.1% YoY	45%
Loan To Share	76.4% -2.7% YoY+3.0% QoQ	+4.2%	72.2% -1.1% YoY	76.8% -1.3% YoY	67.4% -1.7% YoY	54%
AMR	$17,930 +9.7% YoY-0.0% QoQ	$-7K	$24,676 +3.4% YoY	$29,074 +3.3% YoY	$19,687 +2.0% YoY	21%
CD Concentration	16.1% -4.1% YoY+0.6% QoQ	-8.3%	24.4%	22.5%	19.8%	50%
Indirect Auto %	39.6% -20.2% YoY-7.6% QoQ	+25.8%	13.8%	16.8%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#156 of 513 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 9.72%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (4)

Membership Headwinds

decline

#30 of 554 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -11.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#22 of 240 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $388.44M

(Tier: $334.15M, National: $561.61M)

but better than tier avg

Member Growth (YoY): -11.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.05%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 CUs now) | New qualifier

Stagnation Risk

risk

#59 of 554 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -11.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.05%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.65%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Indirect Auto Dependency

risk

#187 of 506 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): -0.29%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 39.60%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -11.20%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank worsening

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)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (6 metrics)

Total Members

engagement

Value: 33,218

Peer Median: -

#51 of 1069 Top 4.7% in 100M-500M tier

125

AMR Growth Rate

growth

Value: 9.72%

Peer Median: -

#125 of 1069 Top 11.6% in 100M-500M tier

130

Total Deposits

balance_sheet

Value: $337.68M

Peer Median: -

#130 of 1069 Top 12.1% in 100M-500M tier

134

Total Loans

balance_sheet

Value: $257.92M

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

135

Total Assets

balance_sheet

Value: $388.44M

Peer Median: -

#135 of 1069 Top 12.5% in 100M-500M tier

157

Net Interest Margin (NIM)

profitability

Value: 4.29%

Peer Median: -

#157 of 1069 Top 14.6% in 100M-500M tier

Top Weaknesses (7 metrics)

1042

Member Growth Rate

growth

Value: -11.20%

Peer Median: -

#1042 of 1069 Bottom 2.6% in 100M-500M tier

1037

Net Charge-Off Rate

risk

Value: 1.71%

Peer Median: -

#1037 of 1069 Bottom 3.1% in 100M-500M tier

983

Indirect Auto Concentration (%)

balance_sheet

Value: 39.60%

Peer Median: -

#983 of 1069 Bottom 8.1% in 100M-500M tier

954

Deposit Growth Rate

growth

Value: -1.41%

Peer Median: -

#954 of 1069 Bottom 10.9% in 100M-500M tier

922

Asset Growth Rate

growth

Value: -0.29%

Peer Median: -

#922 of 1069 Bottom 13.8% in 100M-500M tier

915

Loan Growth Rate

growth

Value: -4.05%

Peer Median: -

#915 of 1069 Bottom 14.5% in 100M-500M tier

843

Average Member Relationship (AMR)

engagement

Value: $17,930

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier