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 3.32% above tier average
- + Net Interest Margin 2.39% above tier average
- + Efficiency Ratio: Top 2.9% in tier
- + Net Charge-Off Rate: Top 3.7% in tier
- + Asset Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.62% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,641
+2.2% YoY+1.0% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
21,412
+3.7% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$13.5M
+8.7% YoY+4.0% QoQ
|
$-16.7M |
$30.2M
+1.3% YoY
|
$379.6M
+8.7% YoY
|
$578.3M
+9.0% YoY
|
38% |
| Loans |
$9.4M
-3.4% YoY-0.5% QoQ
|
$-5.8M |
$15.3M
-2.0% YoY
|
$279.0M
+7.7% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$11.1M
+8.5% YoY+3.6% QoQ
|
$-14.7M |
$25.8M
+0.7% YoY
|
$319.1M
+8.0% YoY
|
$494.3M
+9.1% YoY
|
38% |
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| ROA |
3.5%
+1.8% YoY+71.4% QoQ
|
+3.3% |
0.1%
-77.6% YoY
|
0.6%
-5.0% YoY
|
0.4%
-39.2% YoY
|
Top 1.6% in tier |
| NIM |
6.4%
-10.0% YoY-0.1% QoQ
|
+2.4% |
4.0%
+4.0% YoY
|
3.9%
+5.1% YoY
|
3.8%
+4.1% YoY
|
Top 2.4% in tier |
| Efficiency Ratio |
44.3%
-17.5% YoY-29.4% QoQ
|
-46.3% |
90.6%
+6.5% YoY
|
79.6%
+1.7% YoY
|
84.6%
+2.8% YoY
|
Top 2.9% in tier |
| Delinquency Rate |
4.1%
-36.1% YoY-21.4% QoQ
|
+2.6 |
1.5%
+3.8% YoY
|
0.9%
-14.5% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.5% in tier |
| Loan To Share |
85.3%
-11.0% YoY-4.0% QoQ
|
+26.8% |
58.5%
-3.0% YoY
|
68.3%
-1.5% YoY
|
65.6%
-1.4% YoY
|
Top 12.3% in tier |
| AMR |
$12,485
+0.4% YoY+0.7% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$18,957
+3.0% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
19.7%
+17.8% YoY+6.6% QoQ
|
-4.5% | 24.3% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)