BlastPoint's Credit Union Scorecard
I B E W 175
Charter #14634 · TN
I B E W 175 has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Net Interest Margin 2.45% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.69% above tier average
- - Total Delinquency Rate (60+ days): Bottom 5.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,625
+2.0% YoY-0.7% QoQ
|
-990 |
2,615
-1.9% YoY
|
21,265
+4.5% YoY
|
33,374
+5.7% YoY
|
43% |
| Assets |
$13.0M
+7.6% YoY+2.4% QoQ
|
$-17.1M |
$30.1M
+2.1% YoY
|
$372.5M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
38% |
| Loans |
$9.5M
-2.6% YoY-2.3% QoQ
|
$-6.3M |
$15.8M
-1.3% YoY
|
$275.7M
+8.6% YoY
|
$397.0M
+8.8% YoY
|
49% |
| Deposits |
$10.7M
+7.2% YoY+4.1% QoQ
|
$-15.0M |
$25.7M
+1.4% YoY
|
$312.1M
+9.5% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
2.0%
-39.4% YoY-35.6% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.7%
-5.8% YoY
|
0.7%
+15.9% YoY
|
Top 6.7% in tier |
| NIM |
6.4%
+0.0% YoY-4.8% QoQ
|
+2.5% |
4.0%
+4.0% YoY
|
3.8%
+3.7% YoY
|
3.8%
+5.1% YoY
|
Top 2.5% in tier |
| Efficiency Ratio |
62.8%
+26.4% YoY+16.1% QoQ
|
-19.8% |
82.6%
-2.3% YoY
|
79.4%
+2.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 14.6% in tier |
| Delinquency Rate |
5.2%
-20.2% YoY+5.2% QoQ
|
+3.7 |
1.6%
-3.1% YoY
|
1.1%
-12.6% YoY
|
1.3%
-2.1% YoY
|
Top 5.8% in tier |
| Loan To Share |
88.9%
-9.1% YoY-6.1% QoQ
|
+28.3% |
60.6%
-3.1% YoY
|
70.0%
-2.2% YoY
|
67.4%
-1.7% YoY
|
Top 11.1% in tier |
| AMR |
$12,400
+0.3% YoY+1.7% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$18,770
+3.9% YoY
|
$19,687
+2.0% YoY
|
42% |
| CD Concentration |
18.5%
+3.3% YoY-4.7% QoQ
|
-5.9% | 24.4% | 22.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.7% | 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)