BlastPoint's Credit Union Scorecard
LOCAL UNION 1186 IBEW
Charter #10882 · HI
LOCAL UNION 1186 IBEW has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Efficiency ratio 4.83% above tier (higher cost structure)
- - Delinquency rate 1.48% above tier average
- - Loan-to-Share Ratio: Bottom 4.5% in tier
- - Net Interest Margin (NIM): Bottom 6.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,035
+1.8% YoY-0.6% QoQ
|
-1.6K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
29% |
| Assets |
$12.8M
-1.7% YoY-2.5% QoQ
|
$-17.3M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
37% |
| Loans |
$2.1M
-10.4% YoY-1.8% QoQ
|
$-13.6M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$10.9M
-2.1% YoY-3.0% QoQ
|
$-14.7M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
38% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.1%
+125.0% YoY+41.3% QoQ
|
-0.5% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
21% |
| NIM |
2.3%
+10.4% YoY+5.8% QoQ
|
-1.6% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.3% in tier |
| Efficiency Ratio |
87.4%
-8.7% YoY-3.6% QoQ
|
+4.8% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
69% |
| Delinquency Rate |
3.0%
-39.3% YoY-26.2% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 12.7% in tier |
| Loan To Share |
19.5%
-8.5% YoY+1.2% QoQ
|
-41.1% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$12,640
-5.3% YoY-2.3% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
9.4%
+25.4% YoY-7.9% QoQ
|
-15.1% | 24.4% | 24.1% | 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)