BlastPoint's Credit Union Scorecard
IBEW 317
Charter #14030 · WV
IBEW 317 has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 40.6% YoY
- + Member Growth Rate: Top 0.9% in tier
- + Net Charge-Off Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.71% below tier average
- - Delinquency rate 3.17% above tier average
- - AMR Growth Rate: Bottom 1.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.7% in tier
- - Net Interest Margin (NIM): Bottom 7.2% 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 63 that size in West Virginia.
- Shares and deposits -1.4% year over year ($26.3M in shares and deposits).
- Membership: 1,965 members, +40.6% vs a year ago.
- Delinquency rate 4.71%.
- Return on assets 0.78%.
- Efficiency ratio 69.71% vs a 88.77% peer average.
- Loan-to-share ratio 49.66% 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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,965
+40.6% YoY+0.4% QoQ
|
-620 |
2,585
-1.7% YoY
|
5,079
-0.5% YoY
|
34,678
+6.6% YoY
|
51% |
| Assets |
$29.6M
-0.3% YoY+1.1% QoQ
|
$-631K |
$30.3M
+1.5% YoY
|
$71.2M
+3.6% YoY
|
$593.1M
+10.2% YoY
|
59% |
| Loans |
$13.1M
+4.7% YoY+5.9% QoQ
|
$-2.4M |
$15.5M
-1.7% YoY
|
$38.5M
+1.2% YoY
|
$418.6M
+10.1% YoY
|
58% |
| Deposits |
$26.3M
-1.4% YoY+0.9% QoQ
|
+$526K |
$25.8M
+1.1% YoY
|
$60.8M
+2.9% YoY
|
$504.8M
+10.3% YoY
|
60% |
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| ROA |
0.8%
+20.3% YoY-8.9% QoQ
|
-0.7% |
1.5%
+241.5% YoY
|
1.1%
+25.0% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
2.5%
+17.6% YoY-1.4% QoQ
|
-1.4% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio |
69.7%
-1.0% YoY+3.8% QoQ
|
-19.1% |
88.8%
-6.9% YoY
|
78.0%
+6.1% YoY
|
83.0%
-5.3% YoY
|
26% |
| Delinquency Rate |
4.7%
+28.7% YoY+292.5% QoQ
|
+3.2 |
1.5%
+2.1% YoY
|
1.4%
+1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 6.7% in tier |
| Loan To Share |
49.7%
+6.2% YoY+4.9% QoQ
|
-9.2% |
58.9%
-3.1% YoY
|
58.3%
-3.5% YoY
|
66.4%
-1.4% YoY
|
35% |
| AMR |
$20,053
-28.5% YoY+2.1% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$15,001
+0.4% YoY
|
$20,028
-0.9% YoY
|
78% |
| CD Concentration |
9.5%
-4.2% YoY-6.5% QoQ
|
-15.0% | 24.6% | 16.8% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 1.9% | 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)