BlastPoint's Credit Union Scorecard
I.L.A. LOCAL 1235
Charter #23807 · NJ
I.L.A. LOCAL 1235 has 4 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.62% above tier average
- + Strong member growth: 5.1% YoY
- + Member Growth Rate: Top 5.9% in tier
- + Loan Growth Rate: Top 6.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 16.40% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NJ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
683
+5.1% YoY+6.9% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
7,445
+8.1% YoY
|
33,374
+5.7% YoY
|
19% |
| Assets |
$7.4M
+4.6% YoY+2.9% QoQ
|
$-22.8M |
$30.1M
+2.1% YoY
|
$121.0M
+10.8% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$4.9M
+13.5% YoY-2.4% QoQ
|
$-10.8M |
$15.8M
-1.3% YoY
|
$75.4M
+12.2% YoY
|
$397.0M
+8.8% YoY
|
34% |
| Deposits |
$6.5M
+4.8% YoY+3.0% QoQ
|
$-19.2M |
$25.7M
+1.4% YoY
|
$102.3M
+10.2% YoY
|
$477.3M
+9.7% YoY
|
28% |
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| ROA |
0.0%
-103.9% YoY-92.3% QoQ
|
-0.6% |
0.6%
+10.8% YoY
|
0.5%
+267.0% YoY
|
0.7%
+15.9% YoY
|
18% |
| NIM |
5.6%
+8.3% YoY-1.3% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.7%
+5.0% YoY
|
3.8%
+5.1% YoY
|
Top 6.5% in tier |
| Efficiency Ratio |
99.0%
-9.7% YoY+8.4% QoQ
|
+16.4% |
82.6%
-2.3% YoY
|
84.3%
-19.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 12.2% in tier |
| Delinquency Rate |
0.3%
-90.7% YoY-0.2% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.7%
-6.9% YoY
|
1.3%
-2.1% YoY
|
29% |
| Loan To Share |
76.1%
+8.3% YoY-5.2% QoQ
|
+15.5% |
60.6%
-3.1% YoY
|
53.4%
-2.5% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$16,698
+3.1% YoY-5.9% QoQ
|
+$2K |
$14,783
-1.4% YoY
|
$16,460
+2.2% YoY
|
$19,687
+2.0% YoY
|
65% |
| CD Concentration |
0.9%
-6.9% YoY-2.9% QoQ
|
-23.5% | 24.4% | 14.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 1.0% | 7.8% | 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)