BlastPoint's Credit Union Scorecard
I.B.E.W. LOCAL #681
Charter #61021 · TX
2596 CUs in <100M nationally
245 in TX
I.B.E.W. LOCAL #681 has 4 strengths but faces 17 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.11% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 4.01% below tier average
- - Efficiency ratio 25.04% above tier (higher cost structure)
- - Delinquency rate 12.12% above tier average
- - Member decline: -6.8% YoY
- - Net Worth Ratio: Bottom 0.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 1.7% in tier
- - Asset Growth Rate: Bottom 2.3% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
- - Loan Growth Rate: Bottom 3.0% in tier
- - Total Assets: Bottom 4.1% in tier
- - Average Member Relationship (AMR): Bottom 4.8% in tier
- - Total Deposits: Bottom 4.9% in tier
- - Total Loans: Bottom 6.1% in tier
- - AMR Growth Rate: Bottom 6.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.5% in tier
- - Deposit Growth Rate: Bottom 7.0% in tier
- - Total Members: Bottom 8.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
328
-6.8% YoY-5.5% QoQ
|
-2.3K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.8% in tier |
| Assets |
$654,131
-13.7% YoY-11.9% QoQ
|
$-29.2M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.0% in tier |
| Loans |
$366,612
-27.8% YoY-8.0% QoQ
|
$-15.4M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.1% in tier |
| Deposits |
$617,777
-10.2% YoY-12.4% QoQ
|
$-24.8M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 4.9% in tier |
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| ROA |
-3.3%
-455.2% YoY-21.8% QoQ
|
-4.0% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 1.8% in tier |
| NIM |
5.0%
+1.2% YoY+4.1% QoQ
|
+1.1% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 13.4% in tier |
| Efficiency Ratio |
106.4%
+9.1% YoY-7.3% QoQ
|
+25.0% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 7.6% in tier |
| Delinquency Rate |
13.6%
+147.9% YoY+76.4% QoQ
|
+12.1 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 1.7% in tier |
| Loan To Share |
59.3%
-19.6% YoY+5.0% QoQ
|
-1.9% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
48% |
| AMR |
$3,001
-11.6% YoY-5.6% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.8% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (4 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
347
Net Interest Margin (NIM)
profitability
Value:
5.04%
Peer Avg: -
#347 of 2596
Top 13.3% in <100M tier
Top Weaknesses (17 metrics)
2580
Net Worth Ratio
risk
Value:
5.29%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2553
Total Delinquency Rate (60+ days)
risk
Value:
13.63%
Peer Avg: -
#2553 of 2596
Bottom 1.7% in <100M tier
2549
Return on Assets (ROA)
profitability
Value:
-3.33%
Peer Avg: -
#2549 of 2596
Bottom 1.8% in <100M tier
2537
Asset Growth Rate
growth
Value:
-13.72%
Peer Avg: -
#2537 of 2596
Bottom 2.3% in <100M tier
2522
Net Charge-Off Rate
risk
Value:
3.11%
Peer Avg: -
#2522 of 2596
Bottom 2.9% in <100M tier
2518
Loan Growth Rate
growth
Value:
-27.81%
Peer Avg: -
#2518 of 2596
Bottom 3.0% in <100M tier
2491
Total Assets
balance_sheet
Value:
$654,131
Peer Avg: -
#2491 of 2596
Bottom 4.1% in <100M tier
2472
Average Member Relationship (AMR)
engagement
Value:
$3,001
Peer Avg: -
#2472 of 2596
Bottom 4.8% in <100M tier
2469
Total Deposits
balance_sheet
Value:
$617,777
Peer Avg: -
#2469 of 2596
Bottom 4.9% in <100M tier
2438
Total Loans
balance_sheet
Value:
$366,612
Peer Avg: -
#2438 of 2596
Bottom 6.1% in <100M tier