BlastPoint's Credit Union Scorecard
LOCAL UNION 1186 IBEW
Charter #10882 · HI
LOCAL UNION 1186 IBEW has 2 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.60% below tier average
- - Efficiency ratio 9.26% above tier (higher cost structure)
- - Delinquency rate 2.60% above tier average
- - Loan-to-Share Ratio: Bottom 4.4% in tier
- - Net Interest Margin (NIM): Bottom 4.9% in tier
- - Total Delinquency Rate (60+ days): Bottom 8.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,041
+2.4% YoY+0.9% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
30% |
| Assets |
$13.2M
+0.0% YoY-1.3% QoQ
|
$-16.7M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
38% |
| Loans |
$2.2M
-12.3% YoY+0.8% QoQ
|
$-13.6M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
19% |
| Deposits |
$11.3M
-0.1% YoY-1.6% QoQ
|
$-14.2M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
39% |
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| ROA |
0.1%
+72.9% YoY+1859.6% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
19% |
| NIM |
2.2%
+6.1% YoY+3.9% QoQ
|
-1.7% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio |
90.7%
-5.3% YoY-2.6% QoQ
|
+9.3% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
78% |
| Delinquency Rate |
4.1%
+52.5% YoY+8.1% QoQ
|
+2.6 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 8.1% in tier |
| Loan To Share |
19.2%
-12.2% YoY+2.4% QoQ
|
-42.0% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$12,932
-4.6% YoY-2.1% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
46% |
| CD Concentration |
10.2%
+28.3% YoY+2.0% QoQ
|
-14.2% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
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)