BlastPoint's Credit Union Scorecard

IBEW & UNITED WORKERS

Charter #9483 · OR

1069 CUs in 100M-500M nationally 18 in OR

IBEW & UNITED WORKERS has 4 strengths but faces 19 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 1.17% above tier average
+ First Mortgage Concentration (%): Top 3.9% in tier
+ Members Per Employee (MPE): Top 6.3% in tier
+ Share Certificate Concentration (%): Top 8.0% in tier

Key Concerns

Areas that may need attention

- Stagnation Risk: Bottom 21.3% in tier
- Accelerating Exit Risk: Bottom 36.4% in tier
- Credit Quality Pressure: Bottom 45.3% in tier
- Indirect Auto Dependency: Bottom 45.5% in tier
- Membership Headwinds: Bottom 52.1% in tier
- Shrinking Wallet Share: Bottom 60.4% in tier
- Institutional Decline: Bottom 76.6% in tier
- ROA 0.26% below tier average
- Delinquency rate 0.32% above tier average
- Member decline: -2.6% YoY
- Average Member Relationship (AMR): Bottom 2.1% in tier
- Deposit Growth Rate: Bottom 3.9% in tier
- Asset Growth Rate: Bottom 4.0% in tier
- Indirect Auto Concentration (%): Bottom 5.1% in tier
- Loan-to-Member Ratio (LMR): Bottom 6.3% in tier
- Total Assets: Bottom 7.2% in tier
- Total Deposits: Bottom 9.3% in tier
- Fee Income Per Member: Bottom 9.7% in tier
- AMR Growth Rate: Bottom 9.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	14,243 -2.6% YoY+0.4% QoQ	-1.2K	15,437 -2.9% YoY	49,474 +8.2% YoY	33,374 +5.7% YoY	55%
Assets	$110.9M -3.7% YoY-2.1% QoQ	$-120.9M	$231.9M +1.3% YoY	$800.8M +6.1% YoY	$561.6M +9.7% YoY	Bottom 7.1% in tier
Loans	$72.8M -4.8% YoY-0.9% QoQ	$-74.6M	$147.3M -0.1% YoY	$554.3M +9.3% YoY	$397.0M +8.8% YoY	18%
Deposits	$98.1M -4.5% YoY-2.3% QoQ	$-102.8M	$200.8M +0.8% YoY	$686.9M +6.2% YoY	$477.3M +9.7% YoY	Bottom 9.2% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.5% -64.9% YoY-28.1% QoQ	-0.3%	0.8% +18.2% YoY	0.6% +1.0% YoY	0.7% +15.9% YoY	31%
NIM	4.8% +3.4% YoY-0.1% QoQ	+1.2%	3.6% +6.7% YoY	3.9% +7.3% YoY	3.8% +5.1% YoY	Top 4.8% in tier
Efficiency Ratio	77.0% +5.9% YoY+2.4% QoQ	-0.0%	77.0% -3.1% YoY	79.6% -0.7% YoY	79.7% -3.3% YoY	50%
Delinquency Rate	1.2% +23.5% YoY+76.5% QoQ	+0.3	0.9% +4.2% YoY	1.1% +23.3% YoY	1.3% -2.1% YoY	79%
Loan To Share	74.2% -0.2% YoY+1.4% QoQ	+2.0%	72.2% -1.1% YoY	76.3% +0.6% YoY	67.4% -1.7% YoY	51%
AMR	$11,995 -2.1% YoY-2.1% QoQ	$-13K	$24,676 +3.4% YoY	$24,960 +0.4% YoY	$19,687 +2.0% YoY	Bottom 2.0% in tier
CD Concentration	8.2% +23.5% YoY+5.6% QoQ	-16.2%	24.4%	16.6%	19.8%	50%
Indirect Auto %	44.6% +18.2% YoY+2.3% QoQ	+30.8%	13.8%	13.7%	7.8%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (7)

Stagnation Risk

risk

#119 of 554 • Bottom 21.3% 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): -2.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.76%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 1.22%

(Tier: 0.89%, National: 1.28%)

worse than tier avg

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

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

Accelerating Exit Risk

decline

#21 of 56 • Bottom 36.4% in tier

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

Why This Signature

Member Growth (YoY): -2.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

AMR Growth (YoY): -2.06%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

56 of 1069 Mid-Small & Community CUs have this signature | 69 nationally

→ No prior data (56 CUs now) | New qualifier

Credit Quality Pressure

risk

#320 of 705 • Bottom 45.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#231 of 506 • Bottom 45.5% in tier

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

Why This Signature

Asset Growth (YoY): -3.67%

(Tier: 5.37%, National: 3.54%)

worse than tier avg

Indirect Auto %: 44.57%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): -2.63%

(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

Membership Headwinds

decline

#289 of 554 • Bottom 52.1% in tier

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

Why This Signature

Member Growth (YoY): -2.63%

(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

Shrinking Wallet Share

decline

#126 of 208 • Bottom 60.4% in tier

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

Why This Signature

AMR Growth (YoY): -2.06%

(Tier: 4.17%, National: 4.00%)

worse than tier avg

208 of 1069 Mid-Small & Community CUs have this signature | 303 nationally

↓ Shrinking -190 CUs YoY | Rank improving

Institutional Decline

decline

#184 of 240 • Bottom 76.6% in tier

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

Why This Signature

Total Assets: $110.94M

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

worse than tier avg

Member Growth (YoY): -2.63%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.76%

(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

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 (4 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 3.03%

Peer Median: -

#43 of 1069 Top 3.9% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.77%

Peer Median: -

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

Members Per Employee (MPE)

engagement

Value: 491.138

Peer Median: -

#68 of 1069 Top 6.3% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.24%

Peer Median: -

#87 of 1069 Top 8.0% in 100M-500M tier

Top Weaknesses (14 metrics)

1048

Average Member Relationship (AMR)

engagement

Value: $11,995

Peer Median: -

#1048 of 1069 Bottom 2.1% in 100M-500M tier

1028

Deposit Growth Rate

growth

Value: -4.54%

Peer Median: -

#1028 of 1069 Bottom 3.9% in 100M-500M tier

1027

Asset Growth Rate

growth

Value: -3.67%

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1016

Indirect Auto Concentration (%)

balance_sheet

Value: 44.57%

Peer Median: -

#1016 of 1069 Bottom 5.1% in 100M-500M tier

1003

Loan-to-Member Ratio (LMR)

engagement

Value: $5,111

Peer Median: -

#1003 of 1069 Bottom 6.3% in 100M-500M tier

993

Total Assets

balance_sheet

Value: $110.94M

Peer Median: -

#993 of 1069 Bottom 7.2% in 100M-500M tier

971

Total Deposits

balance_sheet

Value: $98.05M

Peer Median: -

#971 of 1069 Bottom 9.3% in 100M-500M tier

966

Fee Income Per Member

profitability

Value: $87.92

Peer Median: -

#966 of 1069 Bottom 9.7% in 100M-500M tier

964

AMR Growth Rate

growth

Value: -2.06%

Peer Median: -

#964 of 1069 Bottom 9.9% in 100M-500M tier

941

Loan Growth Rate

growth

Value: -4.76%

Peer Median: -

#941 of 1069 Bottom 12.1% in 100M-500M tier