BlastPoint's Credit Union Scorecard
I B E W LOCAL 56
Charter #14247 · PA
I B E W LOCAL 56 has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.88% above tier average
- + Net Interest Margin 0.20% above tier average
- + Net Charge-Off Rate: Top 4.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.52% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,570
-1.6% YoY+0.6% QoQ
|
-1.0K |
2,615
-1.9% YoY
|
17,996
+7.1% YoY
|
33,374
+5.7% YoY
|
42% |
| Assets |
$10.8M
-2.0% YoY+1.2% QoQ
|
$-19.4M |
$30.1M
+2.1% YoY
|
$296.9M
+12.6% YoY
|
$561.6M
+9.7% YoY
|
33% |
| Loans |
$4.8M
-2.0% YoY-2.3% QoQ
|
$-11.0M |
$15.8M
-1.3% YoY
|
$199.3M
+10.4% YoY
|
$397.0M
+8.8% YoY
|
33% |
| Deposits |
$9.4M
-4.0% YoY+0.8% QoQ
|
$-16.3M |
$25.7M
+1.4% YoY
|
$254.8M
+12.3% YoY
|
$477.3M
+9.7% YoY
|
35% |
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 |
1.5%
-5.7% YoY-12.1% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.6%
-8.3% YoY
|
0.7%
+15.9% YoY
|
84% |
| NIM |
4.2%
+5.1% YoY-3.9% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.5%
+3.8% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
66.4%
+5.0% YoY+5.4% QoQ
|
-16.1% |
82.6%
-2.3% YoY
|
76.7%
-2.4% YoY
|
79.7%
-3.3% YoY
|
20% |
| Delinquency Rate |
3.1%
+125.0% YoY+43.4% QoQ
|
+1.5 |
1.6%
-3.1% YoY
|
1.3%
-10.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.6% in tier |
| Loan To Share |
51.2%
+2.0% YoY-3.1% QoQ
|
-9.4% |
60.6%
-3.1% YoY
|
54.3%
-3.4% YoY
|
67.4%
-1.7% YoY
|
35% |
| AMR |
$9,044
-1.8% YoY-0.8% QoQ
|
$-6K |
$14,783
-1.4% YoY
|
$16,567
+4.7% YoY
|
$19,687
+2.0% YoY
|
24% |
| CD Concentration |
9.5%
+27.8% YoY+6.1% QoQ
|
-14.9% | 24.4% | 15.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.1% | 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)