I B E W 175
Charter #14634 | TN
<100M
(2596 CUs)
Micro
($0-$500M)
88 <100M in TN
I B E W 175 has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.46% above tier average
- + Net Interest Margin 2.79% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 7.2% in tier
- + Efficiency Ratio: Top 8.6% in tier
- + Member Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.48% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,636
+4.0% YoY+2.6% QoQ
|
-989 |
2,625
-2.2% YoY
|
21,139
+4.9% YoY
|
33,089
+6.1% YoY
|
43rd in tier |
| Assets |
$12.7M
+3.9% YoY-0.9% QoQ
|
$-17.2M |
$29.9M
+1.1% YoY
|
$362.5M
+9.5% YoY
|
$547.7M
+7.8% YoY
|
38th in tier |
| Loans |
$9.7M
-1.1% YoY+0.5% QoQ
|
$-6.1M |
$15.8M
-2.4% YoY
|
$271.1M
+9.1% YoY
|
$388.7M
+8.6% YoY
|
50th in tier |
| Deposits |
$10.2M
+1.1% YoY-1.8% QoQ
|
$-15.2M |
$25.5M
+0.4% YoY
|
$303.0M
+8.7% YoY
|
$464.6M
+9.3% YoY
|
37th in tier |
| ROA |
3.1%
-1.1% YoY-0.7% QoQ
|
+2.5% |
0.7%
-731.4% YoY
|
0.8%
+4.1% YoY
|
0.7%
+273.4% YoY
|
Top 1.9% in tier |
| NIM |
6.7%
+3.9% YoY-3.0% QoQ
|
+2.8% |
3.9%
+3.8% YoY
|
3.8%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Top 2.0% in tier |
| Efficiency Ratio |
54.1%
+2.9% YoY-4.0% QoQ
|
-27.3% |
81.4%
-2.4% YoY
|
75.4%
-1.8% YoY
|
79.1%
-3.3% YoY
|
Bottom 8.6% in tier |
| Delinquency Rate |
5.0%
-2.0% YoY+28.0% QoQ
|
+3.5 |
1.5%
-2.0% YoY
|
1.1%
+8.5% YoY
|
1.2%
-0.9% YoY
|
Top 6.2% in tier |
| Loan To Share |
94.8%
-2.3% YoY+2.3% QoQ
|
+33.5% |
61.2%
-3.0% YoY
|
70.4%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 7.4% in tier |
| AMR |
$12,197
-3.8% YoY-3.3% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$18,470
+2.4% YoY
|
$19,418
+1.3% YoY
|
41st in tier |
| CD Concentration |
19.4%
+12.0% YoY+15.9% QoQ
|
-5.0% |
24.4%
+4.2% YoY
|
22.3%
+6.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
6.9%
+1.1% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
50
Return on Assets (ROA)
profitability
Value:
3.14%
Peer Avg: 0.68%
#50 of 2596
Top 1.9% in <100M tier
52
Net Interest Margin (NIM)
profitability
Value:
6.73%
Peer Avg: 3.93%
#52 of 2596
Top 2.0% in <100M tier
188
Loan-to-Share Ratio
balance_sheet
Value:
94.76%
Peer Avg: 61.23%
#188 of 2596
Top 7.2% in <100M tier
223
Efficiency Ratio
profitability
Value:
54.06%
Peer Avg: 81.39%
#223 of 2596
Top 8.6% in <100M tier
223
Member Growth Rate
growth
Value:
4.01%
Peer Avg: 14.92%
#223 of 2596
Top 8.6% in <100M tier
Top Weaknesses (2 metrics)
2437
Total Delinquency Rate (60+ days)
risk
Value:
4.98%
Peer Avg: 1.51%
#2437 of 2596
Bottom 6.2% in <100M tier
2049
AMR Growth Rate
growth
Value:
-3.83%
Peer Avg: 4.67%
#2049 of 2596
Bottom 21.1% in <100M tier