BlastPoint's Credit Union Scorecard
IRON WORKERS
Charter #15797 · PA
2596 CUs in <100M nationally
198 in PA
IRON WORKERS has 4 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.0% in tier
- + Member Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.91% below tier average
- - Efficiency ratio 16.11% above tier (higher cost structure)
- - Delinquency rate 0.29% above tier average
- - Net Worth Ratio: Bottom 1.2% in tier
- - Average Member Relationship (AMR): Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.8% in tier
- - AMR Growth Rate: Bottom 5.5% in tier
- - Loan Growth Rate: Bottom 6.4% in tier
- - Net Charge-Off Rate: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,565
+3.6% YoY+1.2% QoQ
|
+939 |
2,625
-2.2% YoY
|
17,552
+5.9% YoY
|
33,089
+6.1% YoY
|
74% |
| Assets |
$5.4M
-4.2% YoY-1.4% QoQ
|
$-24.5M |
$29.9M
+1.1% YoY
|
$283.8M
+10.6% YoY
|
$547.7M
+7.8% YoY
|
21% |
| Loans |
$1.8M
-19.9% YoY-6.9% QoQ
|
$-13.9M |
$15.8M
-2.4% YoY
|
$193.1M
+8.6% YoY
|
$388.7M
+8.6% YoY
|
17% |
| Deposits |
$5.0M
-4.4% YoY-1.5% QoQ
|
$-20.4M |
$25.5M
+0.4% YoY
|
$243.3M
+10.9% YoY
|
$464.6M
+9.3% YoY
|
23% |
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| ROA |
-0.2%
+3.6% YoY-26.1% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.8%
+22.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.9% in tier |
| NIM |
4.6%
+15.9% YoY+0.9% QoQ
|
+0.7% |
3.9%
+3.8% YoY
|
3.5%
+4.5% YoY
|
3.7%
+5.0% YoY
|
77% |
| Efficiency Ratio |
97.5%
-6.7% YoY+1.8% QoQ
|
+16.1% |
81.4%
-2.4% YoY
|
76.2%
-1.5% YoY
|
79.1%
-3.3% YoY
|
Top 13.2% in tier |
| Delinquency Rate |
1.8%
-59.6% YoY-25.4% QoQ
|
+0.3 |
1.5%
-2.0% YoY
|
1.3%
-8.2% YoY
|
1.2%
-0.9% YoY
|
77% |
| Loan To Share |
36.7%
-16.2% YoY-5.6% QoQ
|
-24.5% |
61.2%
-3.0% YoY
|
55.4%
-2.3% YoY
|
68.0%
-1.7% YoY
|
16% |
| AMR |
$1,920
-12.2% YoY-4.1% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$16,339
+4.2% YoY
|
$19,418
+1.3% YoY
|
Bottom 2.7% in tier |
| CD Concentration |
0.5%
-70.5% YoY-28.6% QoQ
|
-23.9% |
24.4%
+4.2% YoY
|
15.5%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
8.0%
+2.0% 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 (5 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
2
Members Per Employee (MPE)
engagement
Value:
3565.000
Peer Avg: -
#2 of 2596
Top 0.0% in <100M tier
254
Member Growth Rate
growth
Value:
3.57%
Peer Avg: -
#254 of 2596
Top 9.7% in <100M tier
603
Net Interest Margin (NIM)
profitability
Value:
4.61%
Peer Avg: -
#603 of 2596
Top 23.2% in <100M tier
619
Share Certificate Concentration (%)
balance_sheet
Value:
0.47%
Peer Avg: -
#619 of 2596
Top 23.8% in <100M tier
Top Weaknesses (16 metrics)
2566
Net Worth Ratio
risk
Value:
6.64%
Peer Avg: -
#2566 of 2596
Bottom 1.2% in <100M tier
2525
Average Member Relationship (AMR)
engagement
Value:
$1,920
Peer Avg: -
#2525 of 2596
Bottom 2.8% in <100M tier
2499
Loan-to-Member Ratio (LMR)
engagement
Value:
$515.60
Peer Avg: -
#2499 of 2596
Bottom 3.8% in <100M tier
2453
AMR Growth Rate
growth
Value:
-12.24%
Peer Avg: -
#2453 of 2596
Bottom 5.5% in <100M tier
2431
Loan Growth Rate
growth
Value:
-19.85%
Peer Avg: -
#2431 of 2596
Bottom 6.4% in <100M tier
2413
Net Charge-Off Rate
risk
Value:
1.73%
Peer Avg: -
#2413 of 2596
Bottom 7.1% in <100M tier
2286
Return on Assets (ROA)
profitability
Value:
-0.23%
Peer Avg: -
#2286 of 2596
Bottom 12.0% in <100M tier
2254
Efficiency Ratio
profitability
Value:
97.50%
Peer Avg: -
#2254 of 2596
Bottom 13.2% in <100M tier
2183
Loan-to-Share Ratio
balance_sheet
Value:
36.71%
Peer Avg: -
#2183 of 2596
Bottom 15.9% in <100M tier
2161
Total Loans
balance_sheet
Value:
$1.84M
Peer Avg: -
#2161 of 2596
Bottom 16.8% in <100M tier