BlastPoint's Credit Union Scorecard
LOCAL 265 IBEW
Charter #15522 · NE
LOCAL 265 IBEW has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.51% above tier average
- + Strong member growth: 20.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.7% in tier
- + Members Per Employee (MPE): Top 4.7% in tier
- + Net Charge-Off Rate: Top 5.2% in tier
- + Asset Growth Rate: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 5.2% in tier
- - Net Worth Ratio: Bottom 5.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,402
+20.7% YoY0% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
11,118
+2.3% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$5.1M
+10.2% YoY+1.5% QoQ
|
$-25.1M |
$30.1M
+2.1% YoY
|
$137.3M
+7.4% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$3.6M
+6.8% YoY-2.5% QoQ
|
$-12.1M |
$15.8M
-1.3% YoY
|
$99.6M
+9.6% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$4.5M
+7.8% YoY+0.5% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$116.6M
+5.9% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.1%
+334.3% YoY+6.3% QoQ
|
+0.5% |
0.6%
+10.8% YoY
|
0.6%
+50.8% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.8%
+5.1% YoY+7.4% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
4.0%
+10.2% YoY
|
3.8%
+5.1% YoY
|
45% |
| Efficiency Ratio |
70.9%
-15.8% YoY+0.6% QoQ
|
-11.6% |
82.6%
-2.3% YoY
|
81.4%
-6.7% YoY
|
79.7%
-3.3% YoY
|
29% |
| Delinquency Rate |
1.5%
+53.1% YoY+1469.5% QoQ
|
-0.1 |
1.6%
-3.1% YoY
|
1.1%
-6.1% YoY
|
1.3%
-2.1% YoY
|
71% |
| Loan To Share |
80.6%
-0.9% YoY-3.0% QoQ
|
+20.0% |
60.6%
-3.1% YoY
|
70.8%
+0.1% YoY
|
67.4%
-1.7% YoY
|
79% |
| AMR |
$5,813
-11.0% YoY-0.8% QoQ
|
$-9K |
$14,783
-1.4% YoY
|
$17,066
+1.6% YoY
|
$19,687
+2.0% YoY
|
Bottom 11.5% in tier |
| CD Concentration |
26.6%
-23.6% YoY+29.2% QoQ
|
+2.2% | 24.4% | 22.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.6% | 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)