BlastPoint's Credit Union Scorecard
IBEW 141
Charter #14712 · OH
2596 CUs in <100M nationally
121 in OH
IBEW 141 has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.02% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 1.5% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Efficiency ratio 7.99% above tier (higher cost structure)
- - Member decline: -4.3% YoY
- - Fee Income Per Member: Bottom 3.9% in tier
- - Deposit Growth Rate: Bottom 6.8% in tier
- - Total Assets: Bottom 7.2% in tier
- - Total Deposits: Bottom 7.5% in tier
- - Asset Growth Rate: Bottom 7.6% in tier
- - Total Members: Bottom 8.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
309
-4.3% YoY-1.9% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
Bottom 8.2% in tier |
| Assets |
$1.3M
-8.1% YoY-2.8% QoQ
|
$-28.6M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 7.1% in tier |
| Loans |
$903,963
+26.1% YoY+17.2% QoQ
|
$-14.9M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.8% in tier |
| Deposits |
$1.0M
-10.5% YoY-3.7% QoQ
|
$-24.4M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.5% in tier |
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| ROA |
0.5%
-1.3% YoY+83.4% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
38% |
| NIM |
5.0%
+20.7% YoY+4.7% QoQ
|
+1.0% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
85% |
| Efficiency Ratio |
89.4%
+2.7% YoY-4.8% QoQ
|
+8.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
76% |
| Delinquency Rate |
0.5%
-78.1% YoY-42.5% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
86.5%
+40.9% YoY+21.7% QoQ
|
+25.2% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Top 15.0% in tier |
| AMR |
$6,308
+8.1% YoY+7.0% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 12.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
40
Loan Growth Rate
growth
Value:
26.07%
Peer Avg: -
#40 of 2596
Top 1.5% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
353
AMR Growth Rate
growth
Value:
8.09%
Peer Avg: -
#353 of 2596
Top 13.6% in <100M tier
386
Loan-to-Share Ratio
balance_sheet
Value:
86.48%
Peer Avg: -
#386 of 2596
Top 14.8% in <100M tier
397
Net Interest Margin (NIM)
profitability
Value:
4.95%
Peer Avg: -
#397 of 2596
Top 15.3% in <100M tier
630
Net Worth Ratio
risk
Value:
19.31%
Peer Avg: -
#630 of 2596
Top 24.2% in <100M tier
Top Weaknesses (11 metrics)
2495
Fee Income Per Member
profitability
Value:
$0.00
Peer Avg: -
#2495 of 2596
Bottom 3.9% in <100M tier
2420
Deposit Growth Rate
growth
Value:
-10.50%
Peer Avg: -
#2420 of 2596
Bottom 6.8% in <100M tier
2411
Total Assets
balance_sheet
Value:
$1.30M
Peer Avg: -
#2411 of 2596
Bottom 7.2% in <100M tier
2402
Total Deposits
balance_sheet
Value:
$1.05M
Peer Avg: -
#2402 of 2596
Bottom 7.5% in <100M tier
2400
Asset Growth Rate
growth
Value:
-8.11%
Peer Avg: -
#2400 of 2596
Bottom 7.6% in <100M tier
2382
Total Members
engagement
Value:
309
Peer Avg: -
#2382 of 2596
Bottom 8.3% in <100M tier
2316
Total Loans
balance_sheet
Value:
$903,963
Peer Avg: -
#2316 of 2596
Bottom 10.8% in <100M tier
2264
Average Member Relationship (AMR)
engagement
Value:
$6,308
Peer Avg: -
#2264 of 2596
Bottom 12.8% in <100M tier
2056
Member Growth Rate
growth
Value:
-4.33%
Peer Avg: -
#2056 of 2596
Bottom 20.8% in <100M tier
2008
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,925
Peer Avg: -
#2008 of 2596
Bottom 22.7% in <100M tier