BlastPoint's Credit Union Scorecard
I B E W LOCAL 56
Charter #14247 · PA
I B E W LOCAL 56 has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.31% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Delinquency rate 0.73% above tier average
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 183 that size in Pennsylvania.
- Shares and deposits -3.0% year over year ($9.4M in shares and deposits).
- Membership: 1,553 members, -0.1% vs a year ago.
- Delinquency rate 2.27%.
- Return on assets 1.23%.
- Efficiency ratio 71.36% vs a 88.77% peer average.
- Loan-to-share ratio 52.29% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,553
-0.1% YoY+0.6% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
18,280
+5.8% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$10.8M
-1.5% YoY-0.9% QoQ
|
$-19.4M |
$30.3M
+1.5% YoY
|
$308.6M
+9.9% YoY
|
$593.1M
+10.2% YoY
|
33% |
| Loans |
$4.9M
+2.2% YoY+1.9% QoQ
|
$-10.5M |
$15.5M
-1.7% YoY
|
$207.1M
+9.1% YoY
|
$418.6M
+10.1% YoY
|
34% |
| Deposits |
$9.4M
-3.0% YoY-1.5% QoQ
|
$-16.4M |
$25.8M
+1.1% YoY
|
$264.2M
+9.3% YoY
|
$504.8M
+10.3% YoY
|
34% |
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| ROA |
1.2%
-23.7% YoY+6.4% QoQ
|
-0.3% |
1.5%
+241.5% YoY
|
1.0%
+23.3% YoY
|
1.2%
+121.4% YoY
|
71% |
| NIM |
4.2%
+0.5% YoY+2.9% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.5%
+2.1% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
71.4%
+11.8% YoY+1.2% QoQ
|
-17.4% |
88.8%
-6.9% YoY
|
76.6%
-2.6% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
2.3%
+79.2% YoY-18.7% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.2%
-8.4% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
52.3%
+5.4% YoY+3.5% QoQ
|
-6.6% |
58.9%
-3.1% YoY
|
53.4%
-2.0% YoY
|
66.4%
-1.4% YoY
|
40% |
| AMR |
$9,226
-1.2% YoY-0.9% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$16,967
+3.7% YoY
|
$20,028
-0.9% YoY
|
24% |
| CD Concentration |
9.1%
+7.4% YoY-2.8% QoQ
|
-15.5% | 24.6% | 15.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 8.4% | 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)