BlastPoint's Credit Union Scorecard

IBEW & UNITED WORKERS

Charter #9483 · OR

100M-500M

1070 CUs in 100M-500M nationally 17 in OR

IBEW & UNITED WORKERS has 4 strengths but faces 8 concerns

National Analysis

How does the industry compare?

OR Analysis

How does OR stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Net Interest Margin 0.90% above tier average
+ First Mortgage Concentration (%): Top 4.8% in tier
+ Members Per Employee (MPE): Top 6.1% in tier
+ Share Certificate Concentration (%): Top 7.9% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Accelerating Exit Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Shrinking Wallet Share: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	14,304 -2.1% YoY+0.4% QoQ	-841	15,145 -2.5% YoY	51,194 +9.2% YoY	33,913 +5.7% YoY	56%
Assets	$111.2M -4.4% YoY+0.2% QoQ	$-120.6M	$231.7M +0.8% YoY	$843.4M +7.6% YoY	$578.3M +9.0% YoY	Bottom 7.9% in tier
Loans	$72.7M -3.9% YoY-0.2% QoQ	$-71.5M	$144.1M +0.2% YoY	$578.4M +10.5% YoY	$402.4M +8.7% YoY	19%
Deposits	$98.1M -5.4% YoY+0.1% QoQ	$-103.0M	$201.1M +0.4% YoY	$722.8M +7.3% YoY	$494.3M +9.1% YoY	Bottom 9.5% 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	0.2% -62.9% YoY-52.2% QoQ	-0.5%	0.7% +5.1% YoY	0.7% -4.2% YoY	0.4% -39.2% YoY	19%
NIM	4.5% -1.2% YoY-5.0% QoQ	+0.9%	3.6% +4.6% YoY	4.0% +4.4% YoY	3.8% +4.1% YoY	Top 9.1% in tier
Efficiency Ratio	91.0% +26.5% YoY+18.2% QoQ	+12.9%	78.0% -1.7% YoY	77.9% +0.7% YoY	84.6% +2.8% YoY	Bottom 13.2% in tier
Delinquency Rate	1.2% +54.5% YoY+2.5% QoQ	+0.5	0.8% +7.1% YoY	1.1% +40.5% YoY	1.2% +3.4% YoY	84%
Loan To Share	74.1% +1.6% YoY-0.2% QoQ	+3.7%	70.4% -0.4% YoY	75.8% +1.2% YoY	65.6% -1.4% YoY	54%
AMR	$11,940 -2.8% YoY-0.5% QoQ	$-13K	$24,918 +2.7% YoY	$25,270 +0.9% YoY	$19,920 +1.6% YoY	Bottom 1.7% in tier
CD Concentration	8.4% +24.7% YoY+1.7% QoQ	-15.9%	24.3%	16.7%	19.8%	50%
Indirect Auto %	46.1% +16.2% YoY+3.5% QoQ	+32.3%	13.8%	13.7%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (8)

Credit Quality Pressure

risk

#142 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.44% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank improving

Stagnation Risk

risk

#136 of 570 • 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): -2.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 1.25%

(Tier: 0.76%, National: 1.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Accelerating Exit Risk

decline

#19 of 53 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature

Member Growth (YoY): -2.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

AMR Growth (YoY): -2.77%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

53 of 1070 Mid-Small & Community CUs have this signature | 66 nationally

→ No prior data (53 CUs now) | New qualifier

Efficiency Drag

risk

#231 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 90.97%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.41% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -2.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#240 of 504 • 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): -4.41%

(Tier: 4.68%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 46.12%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -2.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank worsening

Shrinking Wallet Share

decline

#118 of 238 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature

AMR Growth (YoY): -2.77%

(Tier: 3.74%, National: 6.36%)

worse than tier avg

238 of 1070 Mid-Small & Community CUs have this signature | 335 nationally

↓ Shrinking -109 CUs YoY | Rank improving

Membership Headwinds

decline

#348 of 570 • 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): -2.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#206 of 250 • 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: $111.16M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -2.07%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.90%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.68%

Peer Median: 29.47%

#52 of 1070 Top 4.8% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 493.241

Peer Median: 309.176

#66 of 1070 Top 6.1% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.38%

Peer Median: 23.10%

#85 of 1070 Top 7.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.53%

Peer Median: 3.62%

#97 of 1070 Top 9.0% in 100M-500M tier

Top Weaknesses (14 metrics)

1052

Average Member Relationship (AMR)

engagement

Value: $11,940

Peer Median: $22,931

#1052 of 1070 Bottom 1.8% in 100M-500M tier

1034

Deposit Growth Rate

growth

Value: -5.42%

Peer Median: 3.30%

#1034 of 1070 Bottom 3.5% in 100M-500M tier

1029

Asset Growth Rate

growth

Value: -4.41%

Peer Median: 3.91%

#1029 of 1070 Bottom 3.9% in 100M-500M tier

1020

Indirect Auto Concentration (%)

balance_sheet

Value: 46.12%

Peer Median: 6.61%

#1020 of 1070 Bottom 4.8% in 100M-500M tier

1001

Loan-to-Member Ratio (LMR)

engagement

Value: $5,081

Peer Median: $9,356

#1001 of 1070 Bottom 6.5% in 100M-500M tier

987

Fee Income Per Member

profitability

Value: $72.85

Peer Median: $154.95

#987 of 1070 Bottom 7.9% in 100M-500M tier

986

Total Assets

balance_sheet

Value: $111.16M

Peer Median: $196.57M

#986 of 1070 Bottom 7.9% in 100M-500M tier

972

AMR Growth Rate

growth

Value: -2.77%

Peer Median: 3.46%

#972 of 1070 Bottom 9.3% in 100M-500M tier

968

Total Deposits

balance_sheet

Value: $98.12M

Peer Median: $171.29M

#968 of 1070 Bottom 9.6% in 100M-500M tier

930

Efficiency Ratio

profitability

Value: 90.97%

Peer Median: 78.68%

#930 of 1070 Bottom 13.2% in 100M-500M tier