BlastPoint's Credit Union Scorecard

IBEW & UNITED WORKERS

Charter #9483 · OR

100M-500M

1024 CUs in 100M-500M nationally 16 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 0.87% above tier average
+ Members Per Employee (MPE): Top 3.8% in tier
+ First Mortgage Concentration (%): Top 4.2% in tier
+ Share Certificate Concentration (%): Top 7.6% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- ROA 0.81% below tier average
- Efficiency ratio 12.69% above tier (higher cost structure)

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 16 that size in Oregon.
Shares and deposits +1.2% year over year ($99.8M in shares and deposits).
Membership: 14,370 members, -1.8% vs a year ago.
Delinquency rate 1.20%.
Return on assets 0.05%.
Efficiency ratio 89.43% vs a 76.73% peer average.
Loan-to-share ratio 71.61% vs a 71.54% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OR)	National Avg	Tier Percentile
Members	14,370 -1.8% YoY+0.5% QoQ	-798	15,168 -2.6% YoY	51,821 +9.3% YoY	34,678 +6.6% YoY	56%
Assets	$112.7M +1.1% YoY+1.4% QoQ	$-119.3M	$232.0M +0.7% YoY	$850.7M +8.9% YoY	$593.1M +10.2% YoY	Bottom 8.4% in tier
Loans	$71.4M -3.1% YoY-1.7% QoQ	$-74.8M	$146.3M +0.2% YoY	$590.7M +10.5% YoY	$418.6M +10.1% YoY	18%
Deposits	$99.8M +1.2% YoY+1.7% QoQ	$-100.9M	$200.7M +0.2% YoY	$725.1M +8.5% YoY	$504.8M +10.3% YoY	Bottom 10.4% 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	0.1% -94.6% YoY-79.1% QoQ	-0.8%	0.9% +12.5% YoY	0.8% +19.1% YoY	1.2% +121.4% YoY	Bottom 1.8% in tier
NIM	4.6% -3.1% YoY+0.6% QoQ	+0.9%	3.7% +4.5% YoY	4.0% +5.3% YoY	3.8% +2.3% YoY	Top 9.6% in tier
Efficiency Ratio	89.4% +22.1% YoY-1.7% QoQ	+12.7%	76.7% -0.8% YoY	78.0% +0.7% YoY	83.0% -5.3% YoY	Bottom 12.5% in tier
Delinquency Rate	1.2% +96.2% YoY-3.7% QoQ	+0.3	0.9% +6.6% YoY	1.1% +29.8% YoY	1.3% +2.6% YoY	78%
Loan To Share	71.6% -4.2% YoY-3.3% QoQ	+0.1%	71.5% -0.3% YoY	76.6% +0.5% YoY	66.4% -1.4% YoY	48%
AMR	$11,914 +1.2% YoY-0.2% QoQ	$-13K	$25,107 +3.2% YoY	$25,405 +1.6% YoY	$20,028 -0.9% YoY	Bottom 1.4% in tier
CD Concentration	8.3% +7.0% YoY-0.6% QoQ	-16.2%	24.6%	16.7%	20.0%	50%
Indirect Auto %	47.0% +13.7% YoY+1.9% QoQ	+33.4%	13.6%	13.6%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Credit Quality Pressure

risk

#110 of 693 • 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): 0.59% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#145 of 476 • 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): 1.12%

(Tier: 4.62%, National: 3.30%)

worse than tier avg

Indirect Auto %: 46.98%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

Stagnation Risk

risk

#183 of 549 • 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): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

Delinquency Rate: 1.20%

(Tier: 0.87%, National: 1.26%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Efficiency Drag

risk

#261 of 531 • 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: 89.43%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.88% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | New qualifier

Membership Headwinds

decline

#364 of 549 • 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): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Institutional Decline

decline

#214 of 230 • 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: $112.72M

(Tier: $336.17M, National: $593.11M)

worse than tier avg

Member Growth (YoY): -1.80%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): -3.10%

(Tier: 4.13%, National: 78.26%)

worse than tier avg

230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally

↓ Shrinking -49 CUs YoY | 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 1024 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 532.222

Peer Median: 310.924

#40 of 1024 Top 3.8% in 100M-500M tier

First Mortgage Concentration (%)

balance_sheet

Value: 3.54%

Peer Median: 29.92%

#44 of 1024 Top 4.2% in 100M-500M tier

Share Certificate Concentration (%)

balance_sheet

Value: 8.34%

Peer Median: 23.39%

#79 of 1024 Top 7.6% in 100M-500M tier

Net Interest Margin (NIM)

profitability

Value: 4.56%

Peer Median: 3.67%

#98 of 1024 Top 9.5% in 100M-500M tier

Top Weaknesses (13 metrics)

1010

Average Member Relationship (AMR)

engagement

Value: $11,914

Peer Median: $23,006

#1010 of 1024 Bottom 1.5% in 100M-500M tier

1006

Return on Assets (ROA)

profitability

Value: 0.05%

Peer Median: 0.75%

#1006 of 1024 Bottom 1.9% in 100M-500M tier

981

Indirect Auto Concentration (%)

balance_sheet

Value: 46.98%

Peer Median: 6.15%

#981 of 1024 Bottom 4.3% in 100M-500M tier

969

Loan-to-Member Ratio (LMR)

engagement

Value: $4,971

Peer Median: $9,434

#969 of 1024 Bottom 5.5% in 100M-500M tier

966

Fee Income Per Member

profitability

Value: $71.58

Peer Median: $159.88

#966 of 1024 Bottom 5.8% in 100M-500M tier

938

Total Assets

balance_sheet

Value: $112.72M

Peer Median: $196.38M

#938 of 1024 Bottom 8.5% in 100M-500M tier

918

Total Deposits

balance_sheet

Value: $99.77M

Peer Median: $170.77M

#918 of 1024 Bottom 10.4% in 100M-500M tier

897

Efficiency Ratio

profitability

Value: 89.43%

Peer Median: 77.26%

#897 of 1024 Bottom 12.5% in 100M-500M tier

860

Net Charge-Off Rate

risk

Value: 0.77%

Peer Median: 0.34%

#860 of 1024 Bottom 16.1% in 100M-500M tier

854

Loan Growth Rate

growth

Value: -3.10%

Peer Median: 3.02%

#854 of 1024 Bottom 16.7% in 100M-500M tier