BlastPoint's Credit Union Scorecard

IBEW & UNITED WORKERS

Charter #9483 · OR

1077 CUs in 100M-500M nationally 18 in OR

IBEW & UNITED WORKERS has 4 strengths but faces 12 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 1.19% above tier average
+ First Mortgage Concentration (%): Top 4.2% in tier
+ Members Per Employee (MPE): Top 6.5% in tier
+ Share Certificate Concentration (%): Top 7.7% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 11.3% in tier
- Membership Headwinds: Bottom 15.3% in tier
- Institutional Decline: Bottom 21.6% in tier
- Stagnation Risk: Bottom 23.4% in tier
- Credit Quality Pressure: Bottom 26.3% in tier
- ROA 0.09% below tier average
- Member decline: -2.7% YoY
- Average Member Relationship (AMR): Bottom 2.8% in tier
- Indirect Auto Concentration (%): Bottom 6.8% in tier
- Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
- Total Assets: Bottom 9.0% in tier
- Loan Growth Rate: Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	14,192 -2.7% YoY-3.0% QoQ	-1.4K	15,628 -3.4% YoY	48,799 +9.4% YoY	33,089 +6.1% YoY	53%
Assets	$113.3M -0.2% YoY+1.7% QoQ	$-118.0M	$231.3M -0.0% YoY	$801.2M +7.5% YoY	$547.7M +7.8% YoY	Bottom 8.9% in tier
Loans	$73.4M -6.0% YoY-0.4% QoQ	$-74.4M	$147.8M -1.4% YoY	$546.0M +10.9% YoY	$388.7M +8.6% YoY	18%
Deposits	$100.4M -1.0% YoY+1.8% QoQ	$-99.9M	$200.3M -0.0% YoY	$683.7M +7.5% YoY	$464.6M +9.3% YoY	Bottom 11.4% 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	0.7% -57.9% YoY-24.4% QoQ	-0.1%	0.8% +15.5% YoY	0.7% +15.2% YoY	0.7% +273.4% YoY	45%
NIM	4.8% +3.9% YoY+1.5% QoQ	+1.2%	3.6% +6.9% YoY	3.9% +7.2% YoY	3.7% +5.0% YoY	Top 4.7% in tier
Efficiency Ratio	75.2% +7.0% YoY+2.6% QoQ	-2.1%	77.3% -3.0% YoY	76.2% -3.6% YoY	79.1% -3.3% YoY	42%
Delinquency Rate	0.7% +4.4% YoY+12.6% QoQ	-0.2	0.9% +7.6% YoY	0.9% -6.6% YoY	1.2% -0.9% YoY	51%
Loan To Share	73.2% -5.1% YoY-2.1% QoQ	+0.5%	72.7% -1.5% YoY	76.2% +0.8% YoY	68.0% -1.7% YoY	48%
AMR	$12,247 -0.5% YoY+4.0% QoQ	$-12K	$24,363 +2.9% YoY	$25,038 +0.5% YoY	$19,418 +1.3% YoY	Bottom 2.7% in tier
CD Concentration	7.8% +20.5% YoY+0.2% QoQ	-16.6%	24.4% +4.2% YoY	16.6% +1.3% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	43.6% +23.1% YoY+5.4% QoQ	+29.6%	14.0% -5.7% YoY	13.9% -0.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Indirect Auto Dependency

risk

#182 of 525 • Bottom 11.3% in tier

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

Why This Signature

Asset Growth (YoY): -0.18%

(Tier: 4.61%, National: 3.04%)

worse than tier avg

Indirect Auto %: 43.55%

(Tier: 13.97%, National: 7.90%)

worse than tier avg

Member Growth (YoY): -2.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

525 of 1077 Community CUs have this signature | 768 nationally

↓ Shrinking -18 CUs YoY

Membership Headwinds

decline

#253 of 550 • Bottom 15.3% in tier

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

Why This Signature

Member Growth (YoY): -2.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#171 of 256 • Bottom 21.6% in tier

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

Why This Signature

Total Assets: $113.31M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.04%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk

#386 of 550 • Bottom 23.4% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.71%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -6.04%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.69%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Credit Quality Pressure

risk

#652 of 736 • Bottom 26.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.03% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 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 1077 peers in tier

Top Strengths (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.06%

Peer Avg: -

#46 of 1077 Top 4.2% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.78%

Peer Avg: -

#51 of 1077 Top 4.6% in 100M-500M tier

Members Per Employee (MPE)

engagement

Value: 489.379

Peer Avg: -

#71 of 1077 Top 6.5% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 7.80%

Peer Avg: -

#84 of 1077 Top 7.7% in 100M-500M tier

Top Weaknesses (13 metrics)

1048

Average Member Relationship (AMR)

engagement

Value: $12,247

Peer Avg: -

#1048 of 1077 Bottom 2.8% in 100M-500M tier

1005

Indirect Auto Concentration (%)

balance_sheet

Value: 43.55%

Peer Avg: -

#1005 of 1077 Bottom 6.8% in 100M-500M tier

1003

Loan-to-Member Ratio (LMR)

engagement

Value: $5,175

Peer Avg: -

#1003 of 1077 Bottom 7.0% in 100M-500M tier

981

Total Assets

balance_sheet

Value: $113.31M

Peer Avg: -

#981 of 1077 Bottom 9.0% in 100M-500M tier

973

Loan Growth Rate

growth

Value: -6.04%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

954

Total Deposits

balance_sheet

Value: $100.36M

Peer Avg: -

#954 of 1077 Bottom 11.5% in 100M-500M tier

949

Fee Income Per Member

profitability

Value: $91.83

Peer Avg: -

#949 of 1077 Bottom 12.0% in 100M-500M tier

941

Deposit Growth Rate

growth

Value: -1.00%

Peer Avg: -

#941 of 1077 Bottom 12.7% in 100M-500M tier

914

Net Charge-Off Rate

risk

Value: 0.80%

Peer Avg: -

#914 of 1077 Bottom 15.2% in 100M-500M tier

887

Asset Growth Rate

growth

Value: -0.18%

Peer Avg: -

#887 of 1077 Bottom 17.7% in 100M-500M tier