BlastPoint's Credit Union Scorecard
ELECTRICAL WORKERS LOCAL 130
Charter #10393 · LA
ELECTRICAL WORKERS LOCAL 130 has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.75% above tier average
- + Members Per Employee (MPE): Top 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.66% below tier average
- - Efficiency ratio 16.66% above tier (higher cost structure)
- - Asset Growth Rate: Bottom 4.6% in tier
- - Deposit Growth Rate: Bottom 5.5% in tier
- - Average Member Relationship (AMR): Bottom 5.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,479
+0.3% YoY-0.1% QoQ
|
-1.1K |
2,615
-1.9% YoY
|
9,309
+1.0% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$3.5M
-9.9% YoY-9.2% QoQ
|
$-26.6M |
$30.1M
+2.1% YoY
|
$122.7M
+4.8% YoY
|
$561.6M
+9.7% YoY
|
Bottom 14.4% in tier |
| Loans |
$2.4M
+2.8% YoY-4.0% QoQ
|
$-13.3M |
$15.8M
-1.3% YoY
|
$87.2M
+3.5% YoY
|
$397.0M
+8.8% YoY
|
20% |
| Deposits |
$3.0M
-11.4% YoY-10.4% QoQ
|
$-22.7M |
$25.7M
+1.4% YoY
|
$104.9M
+5.6% YoY
|
$477.3M
+9.7% YoY
|
16% |
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| ROA |
-0.0%
-119.8% YoY-128.2% QoQ
|
-0.7% |
0.6%
+10.8% YoY
|
0.3%
+12.6% YoY
|
0.7%
+15.9% YoY
|
15% |
| NIM |
5.7%
+6.6% YoY+5.1% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.2%
+2.9% YoY
|
3.8%
+5.1% YoY
|
Top 5.7% in tier |
| Efficiency Ratio |
99.2%
+1.6% YoY+1.2% QoQ
|
+16.7% |
82.6%
-2.3% YoY
|
85.6%
-13.2% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.9% in tier |
| Delinquency Rate |
1.4%
-18.6% YoY+12.3% QoQ
|
-0.2 |
1.6%
-3.1% YoY
|
1.9%
-8.2% YoY
|
1.3%
-2.1% YoY
|
70% |
| Loan To Share |
80.8%
+16.0% YoY+7.2% QoQ
|
+20.2% |
60.6%
-3.1% YoY
|
71.2%
-2.0% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$3,707
-5.8% YoY-7.6% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$13,375
+3.1% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 15.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)