BlastPoint's Credit Union Scorecard

I B E W 26

Charter #10323 · MD

<100M

2508 CUs in <100M nationally 27 in MD

I B E W 26 has 5 strengths but faces 2 concerns

National Analysis

How does the industry compare?

MD Analysis

How does MD stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.25% above tier average
+ Net Interest Margin 0.28% above tier average
+ Loan Growth Rate: Top 2.7% in tier
+ Net Charge-Off Rate: Top 8.3% in tier
+ Member Growth Rate: Top 8.8% in tier

Key Concerns

Areas that may need attention

- Efficiency ratio 0.41% above tier (higher cost structure)
- Net Worth Ratio: Bottom 2.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MD)	National Avg	Tier Percentile
Members	2,892 +4.0% YoY+0.6% QoQ	+215	2,676 +1.6% YoY	35,042 +5.0% YoY	33,913 +5.7% YoY	66%
Assets	$30.2M +4.7% YoY+3.4% QoQ	+$15K	$30.2M +1.3% YoY	$654.4M +9.6% YoY	$578.3M +9.0% YoY	59%
Loans	$18.2M +22.9% YoY+1.8% QoQ	+$2.9M	$15.3M -2.0% YoY	$458.0M +7.3% YoY	$402.4M +8.7% YoY	68%
Deposits	$27.4M +4.0% YoY+3.6% QoQ	+$1.6M	$25.8M +0.7% YoY	$558.1M +9.3% YoY	$494.3M +9.1% YoY	61%

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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	0.4% -27.0% YoY-10.8% QoQ	+0.3%	0.1% -77.6% YoY	0.5% +20.2% YoY	0.4% -39.2% YoY	40%
NIM	4.3% -5.3% YoY-5.6% QoQ	+0.3%	4.0% +4.0% YoY	3.4% +2.6% YoY	3.8% +4.1% YoY	70%
Efficiency Ratio	91.0% +20.3% YoY+12.4% QoQ	+0.4%	90.6% +6.5% YoY	82.5% -2.2% YoY	84.6% +2.8% YoY	71%
Delinquency Rate	1.2% +46.0% YoY-12.4% QoQ	-0.3	1.5% +3.8% YoY	1.2% +17.1% YoY	1.2% +3.4% YoY	69%
Loan To Share	66.3% +18.2% YoY-1.8% QoQ	+7.8%	58.5% -3.0% YoY	63.5% +1.0% YoY	65.6% -1.4% YoY	62%
AMR	$15,760 +6.6% YoY+2.3% QoQ	+$876	$14,884 -1.7% YoY	$21,172 +3.9% YoY	$19,920 +1.6% YoY	59%
CD Concentration	4.0% +67.4% YoY-20.1% QoQ	-20.3%	24.3%	21.1%	19.8%	50%
Indirect Auto %	0.1% -69.0% YoY-25.7% QoQ	-13.8%	13.8%	7.3%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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 2508 peers in tier

Top Strengths (5 metrics)

Loan Growth Rate

growth

Value: 22.94%

Peer Median: -2.36%

#68 of 2508 Top 2.7% in <100M tier

208

Net Charge-Off Rate

risk

Value: -0.13%

Peer Median: 0.07%

#208 of 2508 Top 8.3% in <100M tier

221

Member Growth Rate

growth

Value: 3.99%

Peer Median: -1.37%

#221 of 2508 Top 8.8% in <100M tier

462

AMR Growth Rate

growth

Value: 6.57%

Peer Median: 1.27%

#462 of 2508 Top 18.4% in <100M tier

465

Fee Income Per Member

profitability

Value: $126.22

Peer Median: $60.42

#465 of 2508 Top 18.5% in <100M tier

Top Weaknesses (2 metrics)

2437

Net Worth Ratio

risk

Value: 7.34%

Peer Median: 14.28%

#2437 of 2508 Bottom 2.9% in <100M tier

2125

Indirect Auto Concentration (%)

balance_sheet

Value: 0.05%

Peer Median: 0.00%

#2125 of 2508 Bottom 15.3% in <100M tier