BlastPoint's Credit Union Scorecard
I.B.E.W. - LOCAL NO. 5
Charter #21782 · PA
I.B.E.W. - LOCAL NO. 5 shows strong momentum with 7 strengths and 8.7% YoY member growth
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.82% above tier average
- + Strong member growth: 8.7% YoY
- + Efficiency Ratio: Top 2.3% in tier
- + Asset Growth Rate: Top 2.8% in tier
- + Members Per Employee (MPE): Top 2.8% in tier
- + Deposit Growth Rate: Top 3.4% in tier
- + Member Growth Rate: Top 3.9% 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 (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,644
+8.7% YoY+3.1% QoQ
|
-1.0K |
2,676
+1.6% YoY
|
18,228
+6.1% YoY
|
33,913
+5.7% YoY
|
44% |
| Assets |
$15.3M
+14.7% YoY+6.8% QoQ
|
$-14.9M |
$30.2M
+1.3% YoY
|
$307.3M
+11.2% YoY
|
$578.3M
+9.0% YoY
|
41% |
| Loans |
$7.8M
+0.9% YoY+1.1% QoQ
|
$-7.5M |
$15.3M
-2.0% YoY
|
$202.4M
+9.8% YoY
|
$402.4M
+8.7% YoY
|
45% |
| Deposits |
$12.9M
+14.4% YoY+7.3% QoQ
|
$-12.9M |
$25.8M
+0.7% YoY
|
$264.3M
+10.7% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
2.0%
+11.6% YoY-3.3% QoQ
|
+1.8% |
0.1%
-77.6% YoY
|
0.8%
+3.2% YoY
|
0.4%
-39.2% YoY
|
Top 6.9% in tier |
| NIM |
3.4%
+3.7% YoY-1.4% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.5%
+3.1% YoY
|
3.8%
+4.1% YoY
|
32% |
| Efficiency Ratio |
41.6%
-11.6% YoY-3.7% QoQ
|
-49.1% |
90.6%
+6.5% YoY
|
78.0%
-8.8% YoY
|
84.6%
+2.8% YoY
|
Top 2.3% in tier |
| Delinquency Rate |
0.1%
-6.8% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.2%
-7.0% YoY
|
1.2%
+3.4% YoY
|
20% |
| Loan To Share |
60.2%
-11.8% YoY-5.8% QoQ
|
+1.7% |
58.5%
-3.0% YoY
|
52.5%
-2.7% YoY
|
65.6%
-1.4% YoY
|
52% |
| AMR |
$12,576
+0.2% YoY+1.7% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$16,757
+3.3% YoY
|
$19,920
+1.6% YoY
|
42% |
| CD Concentration |
16.7%
+109.7% YoY+36.7% QoQ
|
-7.6% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 8.3% | 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)