BlastPoint's Credit Union Scorecard
LOCAL 20 IBEW
Charter #16429 · TX
<100M
2508 CUs in <100M nationally
237 in TX
LOCAL 20 IBEW has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.39% above tier average
- + Net Interest Margin 1.58% above tier average
- + Strong member growth: 15.1% YoY
- + Members Per Employee (MPE): Top 1.0% in tier
- + Member Growth Rate: Top 2.5% in tier
- + Asset Growth Rate: Top 4.6% in tier
- + Deposit Growth Rate: Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.68% above tier (higher cost structure)
- - Delinquency rate 2.54% above tier average
- - Net Worth Ratio: Bottom 1.6% in tier
- - Average Member Relationship (AMR): Bottom 5.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.8% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,071
+15.1% YoY+4.3% QoQ
|
+1.4K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$9.1M
+12.2% YoY+7.4% QoQ
|
$-21.1M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
30% |
| Loans |
$4.7M
+7.6% YoY+6.6% QoQ
|
$-10.5M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
33% |
| Deposits |
$8.3M
+11.5% YoY+6.5% QoQ
|
$-17.5M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
32% |
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| ROA |
0.5%
-390.9% YoY+92.5% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
46% |
| NIM |
5.6%
-6.1% YoY-3.3% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
Top 5.9% in tier |
| Efficiency Ratio |
91.3%
-5.5% YoY+0.9% QoQ
|
+0.7% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
71% |
| Delinquency Rate |
4.0%
+18.9% YoY+1.5% QoQ
|
+2.5 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.6% in tier |
| Loan To Share |
57.0%
-3.5% YoY+0.2% QoQ
|
-1.5% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
48% |
| AMR |
$3,211
-4.4% YoY+2.1% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 4.9% in tier |
| CD Concentration |
0.3%
-56.7% YoY-54.6% QoQ
|
-24.0% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
27
Members Per Employee (MPE)
engagement
Value:
1017.750
Peer Median: 333.750
#27 of 2508
Top 1.0% in <100M tier
63
Member Growth Rate
growth
Value:
15.10%
Peer Median: -1.37%
#63 of 2508
Top 2.5% in <100M tier
117
Asset Growth Rate
growth
Value:
12.21%
Peer Median: 1.30%
#117 of 2508
Top 4.6% in <100M tier
148
Net Interest Margin (NIM)
profitability
Value:
5.58%
Peer Median: 3.83%
#148 of 2508
Top 5.9% in <100M tier
165
Deposit Growth Rate
growth
Value:
11.50%
Peer Median: 0.66%
#165 of 2508
Top 6.5% in <100M tier
351
Loan Growth Rate
growth
Value:
7.59%
Peer Median: -2.36%
#351 of 2508
Top 14.0% in <100M tier
506
Total Members
engagement
Value:
4,071
Peer Median: 1,918
#506 of 2508
Top 20.1% in <100M tier
510
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: 0.07%
#510 of 2508
Top 20.3% in <100M tier
Top Weaknesses (5 metrics)
2469
Net Worth Ratio
risk
Value:
6.80%
Peer Median: 14.28%
#2469 of 2508
Bottom 1.6% in <100M tier
2384
Average Member Relationship (AMR)
engagement
Value:
$3,211
Peer Median: $13,926
#2384 of 2508
Bottom 5.0% in <100M tier
2339
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,165
Peer Median: $4,923
#2339 of 2508
Bottom 6.8% in <100M tier
2318
Total Delinquency Rate (60+ days)
risk
Value:
4.05%
Peer Median: 0.65%
#2318 of 2508
Bottom 7.6% in <100M tier
2032
AMR Growth Rate
growth
Value:
-4.39%
Peer Median: 1.27%
#2032 of 2508
Bottom 19.0% in <100M tier