BlastPoint's Credit Union Scorecard
IBEW 317
Charter #14030 · WV
IBEW 317 has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.20% above tier average
- + Strong member growth: 47.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 0.5% in tier
- + Net Charge-Off Rate: Top 1.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.16% above tier average
- - AMR Growth Rate: Bottom 0.8% in tier
- - Net Interest Margin (NIM): Bottom 6.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,996
+47.2% YoY+44.8% QoQ
|
-619 |
2,615
-1.9% YoY
|
5,083
-0.6% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$29.1M
-2.8% YoY+4.0% QoQ
|
$-1.0M |
$30.1M
+2.1% YoY
|
$69.7M
+5.0% YoY
|
$561.6M
+9.7% YoY
|
59% |
| Loans |
$12.6M
-2.8% YoY-1.8% QoQ
|
$-3.2M |
$15.8M
-1.3% YoY
|
$38.0M
-0.4% YoY
|
$397.0M
+8.8% YoY
|
57% |
| Deposits |
$25.9M
-4.0% YoY+4.3% QoQ
|
+$257K |
$25.7M
+1.4% YoY
|
$59.6M
+4.6% YoY
|
$477.3M
+9.7% YoY
|
60% |
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| ROA |
0.8%
+72.4% YoY+1.1% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.9%
+20.0% YoY
|
0.7%
+15.9% YoY
|
58% |
| NIM |
2.4%
+19.6% YoY+1.7% QoQ
|
-1.5% |
4.0%
+4.0% YoY
|
3.9%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.7% in tier |
| Efficiency Ratio |
67.0%
-13.7% YoY+0.2% QoQ
|
-15.6% |
82.6%
-2.3% YoY
|
74.6%
-2.6% YoY
|
79.7%
-3.3% YoY
|
21% |
| Delinquency Rate |
3.7%
+33.9% YoY+182.6% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.4%
-22.3% YoY
|
1.3%
-2.1% YoY
|
Top 9.6% in tier |
| Loan To Share |
48.4%
+1.3% YoY-5.8% QoQ
|
-12.2% |
60.6%
-3.1% YoY
|
59.6%
-5.3% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$19,290
-34.5% YoY-29.4% QoQ
|
+$5K |
$14,783
-1.4% YoY
|
$14,830
+1.4% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration |
9.9%
-2.0% YoY+6.1% QoQ
|
-14.5% | 24.4% | 15.7% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.1% | 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)