BlastPoint's Credit Union Scorecard
I B E W 26
Charter #10323 · MD
I B E W 26 has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.49% above tier average
- + Loan Growth Rate: Top 3.4% in tier
- + Member Growth Rate: Top 7.6% in tier
Key Concerns
Areas that may need attention
- - ROA 0.98% below tier average
- - Efficiency ratio 1.20% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 3.2% in tier
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 2,437 credit unions with under $100M in assets nationally, and 1 of 25 that size in Maryland.
- Shares and deposits +2.1% year over year ($27.0M in shares and deposits).
- Membership: 2,939 members, +4.4% vs a year ago.
- Delinquency rate 0.75%.
- Return on assets 0.52%.
- Efficiency ratio 89.97% vs a 88.77% peer average.
- Loan-to-share ratio 69.73% vs a 58.89% 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 (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,939
+4.4% YoY+1.6% QoQ
|
+353 |
2,585
-1.7% YoY
|
36,510
+7.3% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$29.9M
+2.9% YoY-1.1% QoQ
|
$-403K |
$30.3M
+1.5% YoY
|
$678.8M
+11.6% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$18.8M
+20.0% YoY+3.7% QoQ
|
+$3.4M |
$15.5M
-1.7% YoY
|
$482.2M
+10.0% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$27.0M
+2.1% YoY-1.4% QoQ
|
+$1.2M |
$25.8M
+1.1% YoY
|
$576.6M
+11.4% YoY
|
$504.8M
+10.3% YoY
|
61% |
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| ROA |
0.5%
+43.9% YoY+29.1% QoQ
|
-1.0% |
1.5%
+241.5% YoY
|
0.7%
+24.7% YoY
|
1.2%
+121.4% YoY
|
32% |
| NIM |
4.4%
-2.4% YoY+2.5% QoQ
|
+0.5% |
3.9%
+0.9% YoY
|
3.4%
-0.6% YoY
|
3.8%
+2.3% YoY
|
73% |
| Efficiency Ratio |
90.0%
+10.5% YoY-1.2% QoQ
|
+1.2% |
88.8%
-6.9% YoY
|
84.7%
+4.5% YoY
|
83.0%
-5.3% YoY
|
72% |
| Delinquency Rate |
0.8%
+2.6% YoY-39.2% QoQ
|
-0.8 |
1.5%
+2.1% YoY
|
1.2%
+2.8% YoY
|
1.3%
+2.6% YoY
|
52% |
| Loan To Share |
69.7%
+17.6% YoY+5.1% QoQ
|
+10.8% |
58.9%
-3.1% YoY
|
63.7%
-0.8% YoY
|
66.4%
-1.4% YoY
|
66% |
| AMR |
$15,609
+4.2% YoY-1.0% QoQ
|
+$647 |
$14,963
-6.8% YoY
|
$21,403
+4.3% YoY
|
$20,028
-0.9% YoY
|
58% |
| CD Concentration |
2.6%
-37.2% YoY-33.7% QoQ
|
-21.9% | 24.6% | 21.7% | 20.0% | 50% |
| Indirect Auto % |
0.0%
-73.1% YoY-31.1% QoQ
|
-13.6% | 13.6% | 7.3% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)