BlastPoint's Credit Union Scorecard
LOCAL 20 IBEW
Charter #16429 · TX
LOCAL 20 IBEW has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.47% above tier average
- + Strong member growth: 31.0% YoY
- + Members Per Employee (MPE): Top 0.5% in tier
- + Net Charge-Off Rate: Top 0.7% in tier
- + Member Growth Rate: Top 1.3% in tier
- + Asset Growth Rate: Top 3.1% in tier
- + Deposit Growth Rate: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.57% below tier average
- - Delinquency rate 2.07% above tier average
- - Net Worth Ratio: Bottom 1.3% in tier
- - AMR Growth Rate: Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits +15.7% year over year ($8.8M in shares and deposits).
- Membership: 4,648 members, +31.0% vs a year ago.
- Delinquency rate 3.62%.
- Return on assets 0.92%.
- Efficiency ratio 86.42% vs a 88.77% peer average.
- Loan-to-share ratio 51.30% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,648
+31.0% YoY+14.2% QoQ
|
+2.1K |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
84% |
| Assets |
$9.4M
+14.0% YoY+3.8% QoQ
|
$-20.9M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$4.5M
+4.5% YoY-4.5% QoQ
|
$-10.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
32% |
| Deposits |
$8.8M
+15.7% YoY+6.1% QoQ
|
$-17.0M |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
33% |
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| ROA |
0.9%
+112.4% YoY+71.5% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
57% |
| NIM |
5.4%
-7.9% YoY-3.8% QoQ
|
+1.5% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
Top 7.1% in tier |
| Efficiency Ratio |
86.4%
-2.0% YoY-5.4% QoQ
|
-2.3% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
64% |
| Delinquency Rate |
3.6%
-6.7% YoY-10.6% QoQ
|
+2.1 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.4% in tier |
| Loan To Share |
51.3%
-9.7% YoY-10.0% QoQ
|
-7.6% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
38% |
| AMR |
$2,875
-14.8% YoY-10.5% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
Bottom 4.0% in tier |
| CD Concentration |
0.2%
-58.2% YoY-5.7% QoQ
|
-24.3% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.9% | 7.7% | 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)