BlastPoint's Credit Union Scorecard
IBEW LOCAL UNION 80
Charter #20004 · VA
IBEW LOCAL UNION 80 has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 7.0% YoY
- + Net Charge-Off Rate: Top 0.8% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
- + Member Growth Rate: Top 5.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.22% below tier average
- - Average Member Relationship (AMR): Bottom 3.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.4% in tier
- - Fee Income Per Member: Bottom 3.7% in tier
- - Total Loans: Bottom 6.1% in tier
- - Loan-to-Share Ratio: Bottom 6.9% in tier
- - Total Assets: Bottom 8.3% in tier
- - Total Deposits: Bottom 9.6% 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 49 that size in Virginia.
- Shares and deposits -0.0% year over year ($1.6M in shares and deposits).
- Membership: 791 members, +7.0% vs a year ago.
- Delinquency rate 0.57%.
- Return on assets 1.27%.
- Efficiency ratio 65.54% vs a 88.77% peer average.
- Loan-to-share ratio 23.90% 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
791
+7.0% YoY+0.4% QoQ
|
-1.8K |
2,585
-1.7% YoY
|
226,164
+4.4% YoY
|
34,678
+6.6% YoY
|
23% |
| Assets |
$1.8M
+1.4% YoY+2.2% QoQ
|
$-28.5M |
$30.3M
+1.5% YoY
|
$3.0B
+6.1% YoY
|
$593.1M
+10.2% YoY
|
Bottom 8.3% in tier |
| Loans |
$370,390
-6.1% YoY-2.2% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$2.2B
+5.0% YoY
|
$418.6M
+10.1% YoY
|
Bottom 6.0% in tier |
| Deposits |
$1.6M
-0.0% YoY+2.3% QoQ
|
$-24.3M |
$25.8M
+1.1% YoY
|
$2.6B
+6.5% YoY
|
$504.8M
+10.3% YoY
|
Bottom 9.6% in tier |
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| ROA |
1.3%
-45.0% YoY-34.8% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.1%
+69.8% YoY
|
1.2%
+121.4% YoY
|
72% |
| NIM |
3.7%
-11.7% YoY-1.1% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.9%
+0.9% YoY
|
3.8%
+2.3% YoY
|
42% |
| Efficiency Ratio |
65.5%
+43.7% YoY+37.1% QoQ
|
-23.2% |
88.8%
-6.9% YoY
|
79.7%
-1.2% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
0.6%
-52.4% YoY-19.9% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.5%
-1.1% YoY
|
1.3%
+2.6% YoY
|
45% |
| Loan To Share |
23.9%
-6.1% YoY-4.4% QoQ
|
-35.0% |
58.9%
-3.1% YoY
|
64.2%
-3.9% YoY
|
66.4%
-1.4% YoY
|
Bottom 6.8% in tier |
| AMR |
$2,428
-7.8% YoY+1.0% QoQ
|
$-13K |
$14,963
-6.8% YoY
|
$18,993
+1.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.3% in tier |
| CD Concentration | 0.0% | -24.6% | 24.6% | 18.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 9.3% | 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)