IBEW & UNITED WORKERS

Charter #9483 | OR

100M-500M (1077 CUs) Micro
18 100M-500M in OR

IBEW & UNITED WORKERS has 5 strengths but faces 12 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 26.7% in tier
  • + 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
 53rd in tier
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
 Bottom 17.9% in tier
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
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
 45th in tier
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
 42nd in tier
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
 51st in tier
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
 48th in tier
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
 50th in tier
Indirect Auto % 43.6%
+23.1% YoY+5.4% QoQ
 +29.6% 14.0%
-5.8% YoY
 13.9%
-0.5% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (1)

Emerging Performer

growth
#501 of 627 • Top 26.7% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.70%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): -2.71%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank worsening

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: 13.96%, 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: $231.30M, 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: 3.64%, 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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.70%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.71%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $12.2K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 7.80%
(Tier: 24.41%, National: 19.60%)
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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

46
First Mortgage Concentration (%)
balance_sheet
Value: 3.06%
Peer Avg: 30.43%
#46 of 1077 Top 4.2% in 100M-500M tier
51
Net Interest Margin (NIM)
profitability
Value: 4.78%
Peer Avg: 3.58%
#51 of 1077 Top 4.6% in 100M-500M tier
71
Members Per Employee (MPE)
engagement
Value: 489.379
Peer Avg: 332.881
#71 of 1077 Top 6.5% in 100M-500M tier
84
Share Certificate Concentration (%)
balance_sheet
Value: 7.80%
Peer Avg: 23.61%
#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: $24,363
#1048 of 1077 Bottom 2.8% in 100M-500M tier
1005
Indirect Auto Concentration (%)
balance_sheet
Value: 43.55%
Peer Avg: 13.34%
#1005 of 1077 Bottom 6.8% in 100M-500M tier
1003
Loan-to-Member Ratio (LMR)
engagement
Value: $5,175
Peer Avg: $10,245
#1003 of 1077 Bottom 7.0% in 100M-500M tier
981
Total Assets
balance_sheet
Value: $113.31M
Peer Avg: $231.30M
#981 of 1077 Bottom 9.0% in 100M-500M tier
973
Loan Growth Rate
growth
Value: -6.04%
Peer Avg: 3.45%
#973 of 1077 Bottom 9.7% in 100M-500M tier
954
Total Deposits
balance_sheet
Value: $100.36M
Peer Avg: $200.29M
#954 of 1077 Bottom 11.5% in 100M-500M tier
949
Fee Income Per Member
profitability
Value: $91.83
Peer Avg: $174.31
#949 of 1077 Bottom 12.0% in 100M-500M tier
941
Deposit Growth Rate
growth
Value: -1.00%
Peer Avg: 4.69%
#941 of 1077 Bottom 12.7% in 100M-500M tier
914
Net Charge-Off Rate
risk
Value: 0.80%
Peer Avg: 0.47%
#914 of 1077 Bottom 15.2% in 100M-500M tier
887
Asset Growth Rate
growth
Value: -0.18%
Peer Avg: 4.70%
#887 of 1077 Bottom 17.7% in 100M-500M tier