BlastPoint's Credit Union Scorecard
LOCAL 20 IBEW
Charter #16429 ยท TX
2596 CUs in <100M nationally
245 in TX
LOCAL 20 IBEW has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.89% above tier average
- + Strong member growth: 13.7% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 1.4% in tier
- + Member Growth Rate: Top 2.7% in tier
- + Asset Growth Rate: Top 3.8% in tier
- + Deposit Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency ratio 6.40% above tier (higher cost structure)
- - Delinquency rate 3.15% above tier average
- - Net Worth Ratio: Bottom 1.9% in tier
- - Average Member Relationship (AMR): Bottom 5.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,708
+13.7% YoY+4.5% QoQ
|
+1.1K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
76% |
| Assets |
$8.4M
+14.2% YoY+2.4% QoQ
|
$-21.4M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
29% |
| Loans |
$4.4M
-1.0% YoY+2.6% QoQ
|
$-11.3M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
31% |
| Deposits |
$7.7M
+12.2% YoY+0.8% QoQ
|
$-17.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
31% |
| ROA |
0.3%
-77.1% YoY-33.4% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
27% |
| NIM |
5.8%
-1.3% YoY-0.2% QoQ
|
+1.9% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 5.2% in tier |
| Efficiency Ratio |
87.8%
+7.2% YoY-0.4% QoQ
|
+6.4% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
72% |
| Delinquency Rate |
4.7%
+61.7% YoY+20.1% QoQ
|
+3.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 6.6% in tier |
| Loan To Share |
57.8%
-11.8% YoY+1.8% QoQ
|
-3.4% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
45% |
| AMR |
$3,274
-5.9% YoY-3.0% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 5.0% in tier |
| CD Concentration |
0.6%
-10.9% YoY-0.8% QoQ
|
-23.8% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% 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 (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
38
Members Per Employee (MPE)
engagement
Value:
927.000
Peer Avg: 365.701
#38 of 2596
Top 1.4% in <100M tier
71
Member Growth Rate
growth
Value:
13.67%
Peer Avg: 14.92%
#71 of 2596
Top 2.7% in <100M tier
99
Asset Growth Rate
growth
Value:
14.21%
Peer Avg: 1.82%
#99 of 2596
Top 3.8% in <100M tier
136
Net Interest Margin (NIM)
profitability
Value:
5.82%
Peer Avg: 3.93%
#136 of 2596
Top 5.2% in <100M tier
152
Deposit Growth Rate
growth
Value:
12.24%
Peer Avg: 16.80%
#152 of 2596
Top 5.8% in <100M tier
625
Share Certificate Concentration (%)
balance_sheet
Value:
0.56%
Peer Avg: 15.37%
#625 of 2596
Top 24.0% in <100M tier
629
Total Members
engagement
Value:
3,708
Peer Avg: 2,626
#629 of 2596
Top 24.2% in <100M tier
Top Weaknesses (6 metrics)
2548
Net Worth Ratio
risk
Value:
7.09%
Peer Avg: 16.43%
#2548 of 2596
Bottom 1.9% in <100M tier
2465
Average Member Relationship (AMR)
engagement
Value:
$3,274
Peer Avg: $14,627
#2465 of 2596
Bottom 5.1% in <100M tier
2425
Total Delinquency Rate (60+ days)
risk
Value:
4.66%
Peer Avg: 1.51%
#2425 of 2596
Bottom 6.6% in <100M tier
2416
Loan-to-Member Ratio (LMR)
engagement
Value:
$1,200
Peer Avg: $5,488
#2416 of 2596
Bottom 7.0% in <100M tier
2203
AMR Growth Rate
growth
Value:
-5.89%
Peer Avg: 4.67%
#2203 of 2596
Bottom 15.2% in <100M tier
2029
Net Charge-Off Rate
risk
Value:
0.70%
Peer Avg: 0.57%
#2029 of 2596
Bottom 21.9% in <100M tier