BlastPoint's Credit Union Scorecard
LOCAL 265 IBEW
Charter #15522 · NE
LOCAL 265 IBEW has 9 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.38% above tier average
- + Strong member growth: 45.9% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 0.5% in tier
- + Member Growth Rate: Top 0.6% in tier
- + Asset Growth Rate: Top 0.7% in tier
- + Members Per Employee (MPE): Top 4.7% in tier
- + Net Charge-Off Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 4.0% in tier
- - Net Worth Ratio: Bottom 4.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,402
+45.9% YoY0% QoQ
|
-1.2K |
2,625
-2.2% YoY
|
11,261
+2.9% YoY
|
33,089
+6.1% YoY
|
38% |
| Assets |
$5.0M
+29.9% YoY-8.7% QoQ
|
$-24.9M |
$29.9M
+1.1% YoY
|
$135.7M
+6.0% YoY
|
$547.7M
+7.8% YoY
|
19% |
| Loans |
$3.7M
+6.8% YoY+6.6% QoQ
|
$-12.0M |
$15.8M
-2.4% YoY
|
$98.5M
+7.2% YoY
|
$388.7M
+8.6% YoY
|
28% |
| Deposits |
$4.5M
+44.7% YoY+0.9% QoQ
|
$-21.0M |
$25.5M
+0.4% YoY
|
$114.5M
+4.4% YoY
|
$464.6M
+9.3% YoY
|
21% |
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| ROA |
1.1%
+510.9% YoY-220.2% QoQ
|
+0.4% |
0.7%
-731.4% YoY
|
0.7%
+41.5% YoY
|
0.7%
+273.4% YoY
|
65% |
| NIM |
3.5%
-14.8% YoY+15.7% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
4.0%
+7.0% YoY
|
3.7%
+5.0% YoY
|
35% |
| Efficiency Ratio |
70.5%
-16.5% YoY-43.6% QoQ
|
-10.9% |
81.4%
-2.4% YoY
|
80.8%
-5.9% YoY
|
79.1%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.1%
-89.7% YoY-94.6% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.1%
+1.3% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
83.1%
-26.2% YoY+5.7% QoQ
|
+21.8% |
61.2%
-3.0% YoY
|
71.7%
-1.6% YoY
|
68.0%
-1.7% YoY
|
81% |
| AMR |
$5,862
-14.6% YoY+3.4% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$16,886
+0.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.6% in tier |
| CD Concentration |
20.6%
+135.2% YoY+4.6% QoQ
|
-3.8% |
24.4%
+4.2% YoY
|
22.1%
+4.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.8%
-5.5% YoY
|
7.9%
-2.9% YoY
|
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)