BlastPoint's Credit Union Scorecard
IRON WORKERS
Charter #15797 · PA
<100M
2508 CUs in <100M nationally
186 in PA
IRON WORKERS has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.58% above tier average
- + Members Per Employee (MPE): Top 0.1% in tier
- + Member Growth Rate: Top 7.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.97% below tier average
- - Efficiency ratio 23.63% above tier (higher cost structure)
- - Delinquency rate 3.77% above tier average
- - Net Worth Ratio: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 2.4% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.5% in tier
- - AMR Growth Rate: Bottom 4.3% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,630
+4.6% YoY+0.4% QoQ
|
+953 |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
76% |
| Assets |
$5.3M
-5.1% YoY-2.6% QoQ
|
$-24.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
20% |
| Loans |
$1.6M
-20.5% YoY-9.6% QoQ
|
$-13.6M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
16% |
| Deposits |
$4.9M
-4.6% YoY-2.6% QoQ
|
$-20.8M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
23% |
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| ROA |
-0.8%
-526.1% YoY+58.0% QoQ
|
-1.0% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Bottom 9.5% in tier |
| NIM |
4.6%
+1.1% YoY-0.3% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
79% |
| Efficiency Ratio |
114.3%
+18.4% YoY+17.1% QoQ
|
+23.6% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate |
5.3%
+67.0% YoY+550.0% QoQ
|
+3.8 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
33.3%
-16.7% YoY-7.2% QoQ
|
-25.2% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
Bottom 14.6% in tier |
| AMR |
$1,816
-13.2% YoY-4.9% QoQ
|
$-13K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
Bottom 2.4% in tier |
| CD Concentration |
0.5%
-25.5% YoY+3.0% QoQ
|
-23.8% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 7.7% | 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
3
Members Per Employee (MPE)
engagement
Value:
3630.000
Peer Median: 333.750
#3 of 2508
Top 0.1% in <100M tier
184
Member Growth Rate
growth
Value:
4.61%
Peer Median: -1.37%
#184 of 2508
Top 7.3% in <100M tier
526
Net Interest Margin (NIM)
profitability
Value:
4.59%
Peer Median: 3.83%
#526 of 2508
Top 20.9% in <100M tier
591
Share Certificate Concentration (%)
balance_sheet
Value:
0.48%
Peer Median: 12.45%
#591 of 2508
Top 23.5% in <100M tier
615
Total Members
engagement
Value:
3,630
Peer Median: 1,918
#615 of 2508
Top 24.5% in <100M tier
Top Weaknesses (15 metrics)
2480
Net Worth Ratio
risk
Value:
6.19%
Peer Median: 14.28%
#2480 of 2508
Bottom 1.2% in <100M tier
2449
Average Member Relationship (AMR)
engagement
Value:
$1,816
Peer Median: $13,926
#2449 of 2508
Bottom 2.4% in <100M tier
2422
Loan-to-Member Ratio (LMR)
engagement
Value:
$454.03
Peer Median: $4,923
#2422 of 2508
Bottom 3.5% in <100M tier
2401
AMR Growth Rate
growth
Value:
-13.18%
Peer Median: 1.27%
#2401 of 2508
Bottom 4.3% in <100M tier
2366
Total Delinquency Rate (60+ days)
risk
Value:
5.27%
Peer Median: 0.65%
#2366 of 2508
Bottom 5.7% in <100M tier
2360
Loan Growth Rate
growth
Value:
-20.54%
Peer Median: -2.36%
#2360 of 2508
Bottom 5.9% in <100M tier
2319
Efficiency Ratio
profitability
Value:
114.26%
Peer Median: 81.45%
#2319 of 2508
Bottom 7.6% in <100M tier
2270
Return on Assets (ROA)
profitability
Value:
-0.83%
Peer Median: 0.61%
#2270 of 2508
Bottom 9.5% in <100M tier
2167
Asset Growth Rate
growth
Value:
-5.13%
Peer Median: 1.30%
#2167 of 2508
Bottom 13.6% in <100M tier
2141
Loan-to-Share Ratio
balance_sheet
Value:
33.34%
Peer Median: 58.72%
#2141 of 2508
Bottom 14.7% in <100M tier