BlastPoint's Credit Union Scorecard
I.B.E.W. LU 66
Charter #20469 · TX
I.B.E.W. LU 66 shows strong momentum with 6 strengths and 11.8% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.56% above tier average
- + Net Interest Margin 0.64% above tier average
- + Strong member growth: 11.8% YoY
- + Member Growth Rate: Top 3.0% in tier
- + Asset Growth Rate: Top 8.1% in tier
- + Loan-to-Share Ratio: Top 8.9% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,569
+11.8% YoY+3.0% QoQ
|
-1.1K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$12.0M
+9.3% YoY+7.4% QoQ
|
$-18.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
36% |
| Loans |
$9.0M
-0.8% YoY+4.2% QoQ
|
$-6.3M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
49% |
| Deposits |
$10.1M
+7.7% YoY+7.4% QoQ
|
$-15.7M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
36% |
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| ROA |
0.7%
-29.4% YoY-29.3% QoQ
|
+0.6% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
55% |
| NIM |
4.7%
-7.4% YoY-5.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
77.0%
-0.7% YoY+4.2% QoQ
|
-13.6% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.6%
-41.6% YoY+1.0% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
89.2%
-8.0% YoY-3.1% QoQ
|
+30.7% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
Top 9.0% in tier |
| AMR |
$12,201
-7.4% YoY+2.8% QoQ
|
$-3K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
40% |
| CD Concentration |
3.9%
-40.3% YoY-6.3% QoQ
|
-20.4% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 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)