BlastPoint's Credit Union Scorecard
IBEW LOCAL UNION 80
Charter #20004 · VA
2556 CUs in <100M nationally
48 in VA
IBEW LOCAL UNION 80 has 11 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.42% above tier average
- + Net Interest Margin 0.20% above tier average
- + Strong member growth: 9.5% YoY
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 3.1% in tier
- + Members Per Employee (MPE): Top 3.4% in tier
- + Loan Growth Rate: Top 3.8% in tier
- + Efficiency Ratio: Top 5.4% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 3.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.6% in tier
- - Total Loans: Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 7.4% in tier
- - Fee Income Per Member: Bottom 7.8% in tier
- - Total Assets: Bottom 8.7% in tier
- - Total Deposits: Bottom 9.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
775
+9.5% YoY+3.9% QoQ
|
-1.8K |
2,615
-1.9% YoY
|
222,299
+7.3% YoY
|
33,374
+5.7% YoY
|
22% |
| Assets |
$1.8M
+7.4% YoY+0.2% QoQ
|
$-28.4M |
$30.1M
+2.1% YoY
|
$2.9B
+9.9% YoY
|
$561.6M
+9.7% YoY
|
Bottom 8.6% in tier |
| Loans |
$399,807
+20.2% YoY+5.8% QoQ
|
$-15.4M |
$15.8M
-1.3% YoY
|
$2.1B
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.2% in tier |
| Deposits |
$1.5M
+5.6% YoY-0.5% QoQ
|
$-24.2M |
$25.7M
+1.4% YoY
|
$2.5B
+10.1% YoY
|
$477.3M
+9.7% YoY
|
Bottom 9.5% in tier |
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| ROA |
2.0%
-46.9% YoY-4.5% QoQ
|
+1.4% |
0.6%
+10.8% YoY
|
0.6%
+3.1% YoY
|
0.7%
+15.9% YoY
|
Top 6.5% in tier |
| NIM |
4.2%
-7.6% YoY-2.0% QoQ
|
+0.2% |
4.0%
+4.0% YoY
|
3.9%
+2.0% YoY
|
3.8%
+5.1% YoY
|
61% |
| Efficiency Ratio |
51.6%
-2.2% YoY+2.3% QoQ
|
-30.9% |
82.6%
-2.3% YoY
|
80.2%
-0.6% YoY
|
79.7%
-3.3% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.6 |
1.6%
-3.1% YoY
|
1.4%
-11.9% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
26.2%
+13.8% YoY+6.3% QoQ
|
-34.4% |
60.6%
-3.1% YoY
|
65.1%
-5.8% YoY
|
67.4%
-1.7% YoY
|
Bottom 7.3% in tier |
| AMR |
$2,483
-1.0% YoY-3.0% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$18,904
+2.4% YoY
|
$19,687
+2.0% YoY
|
Bottom 3.5% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 18.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 9.6% | 7.8% | 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
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
80
Member Growth Rate
growth
Value:
9.46%
Peer Median: -
#80 of 2556
Top 3.1% in <100M tier
88
Members Per Employee (MPE)
engagement
Value:
775.000
Peer Median: -
#88 of 2556
Top 3.4% in <100M tier
98
Loan Growth Rate
growth
Value:
20.19%
Peer Median: -
#98 of 2556
Top 3.8% in <100M tier
140
Efficiency Ratio
profitability
Value:
51.62%
Peer Median: -
#140 of 2556
Top 5.4% in <100M tier
166
Return on Assets (ROA)
profitability
Value:
2.04%
Peer Median: -
#166 of 2556
Top 6.5% in <100M tier
387
Asset Growth Rate
growth
Value:
7.44%
Peer Median: -
#387 of 2556
Top 15.1% in <100M tier
Top Weaknesses (8 metrics)
2466
Average Member Relationship (AMR)
engagement
Value:
$2,483
Peer Median: -
#2466 of 2556
Bottom 3.6% in <100M tier
2465
Loan-to-Member Ratio (LMR)
engagement
Value:
$515.88
Peer Median: -
#2465 of 2556
Bottom 3.6% in <100M tier
2397
Total Loans
balance_sheet
Value:
$399,807
Peer Median: -
#2397 of 2556
Bottom 6.3% in <100M tier
2368
Loan-to-Share Ratio
balance_sheet
Value:
26.23%
Peer Median: -
#2368 of 2556
Bottom 7.4% in <100M tier
2357
Fee Income Per Member
profitability
Value:
$1.45
Peer Median: -
#2357 of 2556
Bottom 7.8% in <100M tier
2335
Total Assets
balance_sheet
Value:
$1.76M
Peer Median: -
#2335 of 2556
Bottom 8.7% in <100M tier
2312
Total Deposits
balance_sheet
Value:
$1.52M
Peer Median: -
#2312 of 2556
Bottom 9.6% in <100M tier
1997
Total Members
engagement
Value:
775
Peer Median: -
#1997 of 2556
Bottom 21.9% in <100M tier