BlastPoint's Credit Union Scorecard
I.B.E.W. LOCAL #146
Charter #65840 · IL
I.B.E.W. LOCAL #146 has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.30% above tier average
- + Net Interest Margin 0.41% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
Key Concerns
Areas that may need attention
- - Fee Income Per Member: Bottom 8.1% in tier
- - AMR Growth Rate: Bottom 8.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 127 that size in Illinois.
- Shares and deposits -4.7% year over year ($4.3M in shares and deposits).
- Membership: 658 members, +2.5% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.79%.
- Efficiency ratio 58.69% vs a 88.77% peer average.
- Loan-to-share ratio 41.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
658
+2.5% YoY+0.9% QoQ
|
-1.9K |
2,585
-1.7% YoY
|
23,254
+11.8% YoY
|
34,678
+6.6% YoY
|
18% |
| Assets |
$5.0M
-2.9% YoY-2.9% QoQ
|
$-25.3M |
$30.3M
+1.5% YoY
|
$427.8M
+15.2% YoY
|
$593.1M
+10.2% YoY
|
19% |
| Loans |
$1.8M
-11.7% YoY+0.8% QoQ
|
$-13.7M |
$15.5M
-1.7% YoY
|
$298.4M
+15.0% YoY
|
$418.6M
+10.1% YoY
|
16% |
| Deposits |
$4.3M
-4.7% YoY-3.7% QoQ
|
$-21.5M |
$25.8M
+1.1% YoY
|
$358.8M
+15.8% YoY
|
$504.8M
+10.3% YoY
|
20% |
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| ROA |
1.8%
+8.0% YoY+2.2% QoQ
|
+0.3% |
1.5%
+241.5% YoY
|
1.1%
+953.5% YoY
|
1.2%
+121.4% YoY
|
Top 13.0% in tier |
| NIM |
4.3%
+1.2% YoY+1.2% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.7%
+1.5% YoY
|
3.8%
+2.3% YoY
|
70% |
| Efficiency Ratio |
58.7%
-6.3% YoY-0.6% QoQ
|
-30.1% |
88.8%
-6.9% YoY
|
84.5%
-59.6% YoY
|
83.0%
-5.3% YoY
|
Top 10.8% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
-18.5% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
41.2%
-7.3% YoY+4.6% QoQ
|
-17.7% |
58.9%
-3.1% YoY
|
60.1%
-3.0% YoY
|
66.4%
-1.4% YoY
|
23% |
| AMR |
$9,307
-9.1% YoY-3.3% QoQ
|
$-6K |
$14,963
-6.8% YoY
|
$15,331
+1.7% YoY
|
$20,028
-0.9% YoY
|
25% |
| CD Concentration |
0.4%
+5.8% YoY+4.0% QoQ
|
-24.2% | 24.6% | 14.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.8% | 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)