BlastPoint's Credit Union Scorecard
I.L.A. LOCAL 1235
Charter #23807 · NJ
I.L.A. LOCAL 1235 has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 1.65% above tier average
- + Strong member growth: 5.6% YoY
- + Member Growth Rate: Top 5.9% in tier
- + Loan Growth Rate: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 5.55% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
640
+5.6% YoY-6.3% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
7,451
+5.5% YoY
|
33,913
+5.7% YoY
|
17% |
| Assets |
$7.5M
+3.3% YoY+1.4% QoQ
|
$-22.7M |
$30.2M
+1.3% YoY
|
$121.0M
+5.7% YoY
|
$578.3M
+9.0% YoY
|
26% |
| Loans |
$5.1M
+11.4% YoY+3.6% QoQ
|
$-10.2M |
$15.3M
-2.0% YoY
|
$75.7M
+10.1% YoY
|
$402.4M
+8.7% YoY
|
35% |
| Deposits |
$6.7M
+5.9% YoY+3.7% QoQ
|
$-19.1M |
$25.8M
+0.7% YoY
|
$104.6M
+7.1% YoY
|
$494.3M
+9.1% YoY
|
28% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.2%
-183.7% YoY
|
+0.1% |
0.1%
-77.6% YoY
|
0.4%
-4.8% YoY
|
0.4%
-39.2% YoY
|
31% |
| NIM |
5.7%
-0.7% YoY+1.4% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.8%
+4.3% YoY
|
3.8%
+4.1% YoY
|
Top 5.5% in tier |
| Efficiency Ratio |
96.2%
-7.5% YoY-2.8% QoQ
|
+5.5% |
90.6%
+6.5% YoY
|
85.6%
-4.2% YoY
|
84.6%
+2.8% YoY
|
80% |
| Delinquency Rate |
0.2%
-86.5% YoY-8.2% QoQ
|
-1.3 |
1.5%
+3.8% YoY
|
2.4%
+59.8% YoY
|
1.2%
+3.4% YoY
|
30% |
| Loan To Share |
76.0%
+5.2% YoY-0.1% QoQ
|
+17.5% |
58.5%
-3.0% YoY
|
51.7%
-1.0% YoY
|
65.6%
-1.4% YoY
|
76% |
| AMR |
$18,475
+2.5% YoY+10.6% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$16,671
+1.3% YoY
|
$19,920
+1.6% YoY
|
71% |
| CD Concentration |
0.9%
-5.6% YoY-2.8% QoQ
|
-23.4% | 24.3% | 14.5% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 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)