BlastPoint's Credit Union Scorecard
I B E W 175
Charter #14634 · TN
I B E W 175 has 5 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.75% above tier average
- + Net Interest Margin 2.25% above tier average
- + Efficiency Ratio: Top 2.7% in tier
- + Member Growth Rate: Top 7.6% in tier
- + Members Per Employee (MPE): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.51% above tier average
- - Total Delinquency Rate (60+ days): Bottom 8.5% 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 84 that size in Tennessee.
- Shares and deposits +7.8% year over year ($11.2M in shares and deposits).
- Membership: 1,662 members, +4.3% vs a year ago.
- Delinquency rate 4.05%.
- Return on assets 3.24%.
- Efficiency ratio 45.74% vs a 88.77% peer average.
- Loan-to-share ratio 81.22% 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 (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,662
+4.3% YoY+1.3% QoQ
|
-923 |
2,585
-1.7% YoY
|
22,058
+4.8% YoY
|
34,678
+6.6% YoY
|
44% |
| Assets |
$13.8M
+7.8% YoY+2.2% QoQ
|
$-16.5M |
$30.3M
+1.5% YoY
|
$390.3M
+9.5% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$9.1M
-5.5% YoY-3.2% QoQ
|
$-6.3M |
$15.5M
-1.7% YoY
|
$289.3M
+8.5% YoY
|
$418.6M
+10.1% YoY
|
49% |
| Deposits |
$11.2M
+7.8% YoY+1.7% QoQ
|
$-14.6M |
$25.8M
+1.1% YoY
|
$326.4M
+8.9% YoY
|
$504.8M
+10.3% YoY
|
38% |
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 |
3.2%
+2.6% YoY-6.4% QoQ
|
+1.8% |
1.5%
+241.5% YoY
|
1.1%
+46.9% YoY
|
1.2%
+121.4% YoY
|
Top 3.5% in tier |
| NIM |
6.1%
-11.4% YoY-3.9% QoQ
|
+2.2% |
3.9%
+0.9% YoY
|
3.9%
+2.1% YoY
|
3.8%
+2.3% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
45.7%
-18.8% YoY+3.2% QoQ
|
-43.0% |
88.8%
-6.9% YoY
|
78.9%
+2.6% YoY
|
83.0%
-5.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
4.1%
+4.1% YoY-1.6% QoQ
|
+2.5 |
1.5%
+2.1% YoY
|
1.1%
-1.7% YoY
|
1.3%
+2.6% YoY
|
Bottom 8.5% in tier |
| Loan To Share |
81.2%
-12.3% YoY-4.8% QoQ
|
+22.3% |
58.9%
-3.1% YoY
|
68.7%
-1.7% YoY
|
66.4%
-1.4% YoY
|
82% |
| AMR |
$12,263
-2.8% YoY-1.8% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$19,228
+3.5% YoY
|
$20,028
-0.9% YoY
|
40% |
| CD Concentration |
17.3%
+3.6% YoY-12.1% QoQ
|
-7.2% | 24.6% | 22.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)