BlastPoint's Credit Union Scorecard
LOCAL 41 I.B.E.W.
Charter #22447 · NY
LOCAL 41 I.B.E.W. has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.60% above tier average
- + Net Interest Margin 0.63% above tier average
- + Strong member growth: 30.3% YoY
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Member Growth Rate: Top 1.1% in tier
- + Net Charge-Off Rate: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 2.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,564
+30.3% YoY+9.5% QoQ
|
-112 |
2,676
+1.6% YoY
|
27,572
+9.2% YoY
|
33,913
+5.7% YoY
|
62% |
| Assets |
$18.3M
+8.2% YoY+2.2% QoQ
|
$-11.8M |
$30.2M
+1.3% YoY
|
$497.6M
+8.1% YoY
|
$578.3M
+9.0% YoY
|
46% |
| Loans |
$9.9M
+9.5% YoY+1.5% QoQ
|
$-5.4M |
$15.3M
-2.0% YoY
|
$329.7M
+7.8% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$16.0M
+7.6% YoY+2.1% QoQ
|
$-9.8M |
$25.8M
+0.7% YoY
|
$425.1M
+7.9% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
1.7%
-24.0% YoY+10.3% QoQ
|
+1.6% |
0.1%
-77.6% YoY
|
0.7%
-43.8% YoY
|
0.4%
-39.2% YoY
|
Top 10.0% in tier |
| NIM |
4.6%
-4.2% YoY+2.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.5%
-2.6% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
65.6%
+14.6% YoY+6.3% QoQ
|
-25.1% |
90.6%
+6.5% YoY
|
81.8%
+0.3% YoY
|
84.6%
+2.8% YoY
|
19% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.5 |
1.5%
+3.8% YoY
|
1.5%
-10.1% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
61.9%
+1.8% YoY-0.6% QoQ
|
+3.4% |
58.5%
-3.0% YoY
|
58.9%
-2.1% YoY
|
65.6%
-1.4% YoY
|
55% |
| AMR |
$10,092
-16.9% YoY-7.0% QoQ
|
$-5K |
$14,884
-1.7% YoY
|
$19,395
-21.8% YoY
|
$19,920
+1.6% YoY
|
29% |
| CD Concentration |
2.3%
-9.6% YoY+3.1% QoQ
|
-22.0% | 24.3% | 16.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.6% | 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)