BlastPoint's Credit Union Scorecard
I.B.E.W. LOCAL #146
Charter #65840 · IL
I.B.E.W. LOCAL #146 demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.66% above tier average
- + Net Interest Margin 0.46% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
650
+2.4% YoY-0.5% QoQ
|
-2.0K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
18% |
| Assets |
$5.1M
+3.2% YoY+1.2% QoQ
|
$-25.0M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
19% |
| Loans |
$1.9M
-6.3% YoY-3.5% QoQ
|
$-13.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
17% |
| Deposits |
$4.5M
+2.1% YoY+0.9% QoQ
|
$-21.2M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
21% |
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| ROA |
1.3%
-5.5% YoY+3.6% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
78% |
| NIM |
4.4%
+15.7% YoY+0.5% QoQ
|
+0.5% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
71% |
| Efficiency Ratio |
72.0%
+8.1% YoY-0.8% QoQ
|
-10.6% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
31% |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Top 0.1% in tier |
| Loan To Share |
43.3%
-8.2% YoY-4.4% QoQ
|
-17.3% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
24% |
| AMR |
$9,885
-2.9% YoY-0.0% QoQ
|
$-5K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
0.4%
-42.3% YoY-0.7% QoQ
|
-24.1% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 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)